An Ascend company
The data, the people and the workflow, in one family.
inflooens joined Ascend in April 2026. Ascend’s companies supply the credit reports, verifications, valuations and quality control behind the loan. inflooens is the workflow that brings them to the loan team: the right service, on the same record, at the moment the loan needs it.
The family
Who is in Ascend
Data
Credit Interlink
Ascend’s credit and data company. Its platform, IQ ONE, delivers credit, fraud checks and verifications.
Data
Advantage Partners Solutions
Credit reporting and verifications for lenders, banks and credit unions.
People
Advanced Data
Post-closing quality control, and verification of employment, income and assets.
People
American Reporting Company
Appraisal management, valuation and review.
Process
inflooens
The Mortgage OS: the workflow and the AI where these services meet the loan.
Why it matters now
A lender is not shopping for a cheaper credit report.
It is shopping for a cheaper loan. Margins are thin, and most of the cost of making a loan is people’s time. The saving is in how the work gets done, which is a workflow question before it is a pricing one.
- average cost to produce one loan
- $10,936
- average pre-tax production profit per loan
- $973
- of production cost is personnel
- 67%
Cost and profit: independent mortgage banks and bank mortgage subsidiaries, second quarter of 2026, MBA Quarterly Mortgage Bankers Performance Report. Personnel share: Freddie Mac Cost to Originate Study, 2024.
What it means for a lender
One Ascend
Already in the workflow
Ascend credit through Credit Interlink, and verifications of income, employment and assets, are ordered and returned inside inflooens today. More of the family follows.Services where the work happens
A credit report, a verification, a valuation or a quality review belongs on the loan, at the moment the loan needs it, not in a separate portal with a separate login.Less spent on loans that never fund
When the workflow knows where a loan stands, a service can be ordered when the loan has earned it instead of on every application.A cost per loan that is hard to match
Lenders already buy from Ascend’s companies. Because Ascend covers the data, the specialists and the workflow, one team can look at the cost of the whole loan with you, where a single-product vendor can only discount its own line.
Straight answers
About Ascend and inflooens
- What is Ascend?
- Ascend is the parent company of inflooens. Its companies provide credit reporting, verifications, valuations, appraisal management and quality control to mortgage lenders.
- When did inflooens join Ascend?
- In April 2026. inflooens was founded in 2018.
- Do we have to use Ascend’s services to use inflooens?
- No. You keep the credit and data providers you already use. Two credit platforms are connected today, Ascend’s Credit Interlink and XedaLink, and more are added as lenders bring them. Ascend’s services are an option that is designed to work especially well inside inflooens.
- We already buy from an Ascend company. What changes?
- Nothing has to. If you would like those services to appear inside your loan workflow instead of beside it, your Ascend representative can introduce the inflooens team.
Already an Ascend customer?
Ask your Ascend representative for an introduction, or book time with us directly.