How does CDR data help mortgage brokers?

CDR data provides brokers with bank-verified income, expenses, liabilities, and account balances directly from the customer's bank. This eliminates manual document collection, reduces fraud risk, and accelerates the application-to-approval process.

How much time does CDR save per mortgage application?

On average, CDR data access saves 40 minutes per client by eliminating the need to collect, review, and verify physical bank statements. This allows brokers to process more applications and improve client experience.

Can manipulated bank statements fool CDR verification?

No. CDR data is provided directly by the bank through secure, encrypted APIs. Unlike PDF or paper statements that can be altered, CDR data is tamper-proof and provides a verified record of the customer's financial position.

Which broker CRMs integrate with Fiskil?

Fiskil's API integrates with major broker platforms and loan origination systems. Our REST API and webhook architecture is compatible with systems that support third-party data integration including NextGen ApplyOnline-pattern workflows.

How many months of transaction data can brokers access?

Brokers can access up to 12 months of transaction history through CDR, which is typically sufficient for lender serviceability requirements. The data includes categorised transactions, income identification, and liability detection.

Do customers need to be present for CDR consent?

CDR consent can be completed remotely. Customers receive a secure consent link, authenticate with their bank, and authorise data sharing from their own device. This works well for remote consultations and digital-first broking workflows.

How is CDR adoption growing in mortgage broking?

Mortgage broking CDR consents grew 7x year-over-year, reaching over 6,200 consents per month by July 2025. This makes it the fastest-growing CDR use case, driven by broker demand for faster, more reliable income verification.

Banking API for Mortgage Brokers | Fiskil

Banking API for Mortgage Brokers

Mortgage broking is the fastest-growing CDR use case, with 7x year-over-year growth and over 6,200 consents per month as of July 2025. CDR-powered bank data gives mortgage brokers tamper-proof income and expense verification, eliminating manipulated bank statements and manual document collection. Fiskil's Banking API integrates with existing broker workflows and CRM systems to deliver verified financial data directly into loan applications.

The Challenge

Mortgage brokers spend an average of 40 minutes per client collecting and verifying bank statements. Manual document collection is slow, statements can be manipulated, and inconsistent data formats across banks create processing delays that frustrate both brokers and borrowers.

The Solution

Fiskil's Banking API provides mortgage brokers with instant access to CDR-verified bank data. Income, expenses, liabilities, and account balances are delivered in a standardised format, reducing application time from hours to minutes with tamper-proof, bank-verified data.

Benefits

Key Benefits

40-Minute Time Savings

Eliminate manual bank statement collection — verified income and expense data is available in minutes, not hours.

Tamper-Proof Data

CDR bank data comes directly from financial institutions, eliminating the risk of manipulated or fabricated bank statements.

7x Growth Vertical

Join the fastest-growing CDR use case with 6,200+ monthly consents and accelerating adoption across the broking industry.

CRM Integration

Feed verified bank data directly into broker CRM and loan origination systems for seamless workflow integration.

Use Cases

Common Use Cases

Income Verification

Verified salary and income data for home loan applications.

Expense Analysis

Comprehensive expense categorisation for serviceability assessment.

Loan Pre-Approval

Instant pre-approval powered by real-time CDR bank data.

Capabilities

Explore in detail

Mortgage Brokers

Income Verification

Deliver tamper-proof, bank-verified income data for mortgage applications. Fiskil's CDR-connected API saves brokers 40 minutes per application and supports the 7x YoY growth in mortgage consent volumes.

Mortgage Brokers

Expense Analysis

Replace HEM benchmarks with real expense data from CDR bank transactions. Fiskil categorises borrower spending into discretionary and non-discretionary expenses, identifies recurring commitments, and produces lender-ready serviceability evidence.

Mortgage Brokers

Loan Pre-Approval

Deliver same-day mortgage pre-approvals by combining CDR-verified income, expense analysis, and commitment detection into a complete financial picture. Reduce document requirements and accelerate borrower readiness.

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FAQs

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