Halcyon

Halcyon Solutions is a financial services technology company built around its “True Suite” — a set of products that bring together IRS-direct data, AI-driven automation, and real-time verification for lending, banking, credit, and tax use cases.

Product Suite

• TrueTax — Pulls tax transcripts directly from the IRS in digital form, in minutes, at a flat per-loan price, feeding downstream income calculation and credit decisioning
• TrueCalc — Calculates self-employed and complex income, integrated with Fannie Mae’s Income Calculator to automate income calculations from borrower-provided tax returns
• TrueReport — Lead-qualifying technology used to discover or enhance leads
• TrueMark — eSign and identity verification
• TrueYou — Confirms and certifies borrower/consumer data
• Kingfisher RIA — A registered investment advisory program offered alongside the core suite

Markets Served

Halcyon positions its data across the broader financial services ecosystem: home, student, and SBA lenders; credit card issuers; banks and credit unions; and accounting/tax prep firms — anywhere reliable, verified income or identity data is needed for a credit or underwriting decision.

Integrations & Industry Standing

The suite is built to plug into existing lending infrastructure, with integrations across major loan origination and point-of-sale systems (Encompass, MeridianLink, Finastra, Byte, Vesta, Xpanse, TRK, DarkMatter), and named partnerships with Fannie Mae, Freddie Mac, and Lenders One. Halcyon’s regulatory alignment is notable: TrueTax/Form 8821 was formally documented in Fannie Mae’s Selling Guide as an accepted alternative to the IRS Form 4506-C for income verification, and TrueCalc integrates directly with Fannie Mae’s own Income Calculator.

Client Base & Reputation

Halcyon counts a wide range of lenders, banks, and credit unions among its clients — from large national originators like Rocket Mortgage to regional and community lenders (PRMG, UFCU, First Option, and others). Public feedback from these clients centers on speed, accuracy, cost reduction, and compliance confidence gained from combining direct-source IRS data with AI-driven automation.

Company Ethos

Halcyon frames its mission around bringing clarity to an industry defined by data complexity and manual verification burden, with stated core values around innovation, durable partnerships, and keeping the consumer’s interest central to how the technology is built.