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HW Tech100

A fintech company that is revolutionizing the way mortgage lenders understand people’s true ability to pay.

Tech 100 Award Winners_All_Mortgage34

Leveraging the power of consumer-permissioned data, artificial intelligence and blockchain, FormFree enables lenders to verify asset, income, employment and rental history with a combined, underwriter-friendly report in just seconds. FormFree’s flagship product — AccountChek — introduced automated asset verification to the mortgage industry. Building on AccountChek, AccountChek 3n1 provides greater insight into borrowers’ Financial DNA with asset, income, employment and rental history data. With a more holistic picture of borrowers’ ability to pay, lenders are empowered to expand financial inclusivity and grow volume by serving more customers without layering on additional risk.

  • Since implementing AccountChek, one top-10 retail mortgage lender has reported significant time savings of 4 to 8 days per loan application whenever a borrower opts in to digital asset validation.
  • FormFree was named on the Deloitte Technology Fast 500 and Inc. 5000 lists of fastest growing companies.
  • Director of Product Caleb Wuethrich was selected as 2021 HW Insider and Director of Marketing Sarah Crossley earned a 2021 HW Rising Star award.

Company Website:


Markets Served:

Loan Origination

Company HQ:

Athens, GA

3d rendering of a row of luxury townhouses along a street

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