FormFree® today announced its inclusion in HousingWire’s (HW’s) annual Tech100 list for the ninth year. The HW Tech100 Mortgage Awards recognize the U.S. housing economy’s most innovative and influential fintech companies and solutions.

Since 2008, FormFree has brought to market several first-of-its-kind solutions designed to help mortgage lenders underwrite loans more efficiently. It is the maker of Passport®, a solution that gives lenders more comprehensive insight into borrowers’ true ability to pay (ATP®). Last October, FormFree launched its Residual Income Knowledge Index™ (RIKI™), a groundbreaking tool that helps lenders better determine risk based on residual income analysis. Both solutions enable mortgage lenders to adopt more inclusive credit decisioning practices.

“This is FormFree’s ninth year as a HW Tech100 company, and it is truly an honor to see our logo represented alongside other enterprising housing technology organizations,” said FormFree Founder and CEO Brent Chandler. “Digital asset verification was cutting-edge when we introduced it to the mortgage industry more than a decade ago. Now, we plan to transform the finance industry a second time by making home financing and the wealth-building benefits of homeownership accessible to more people with RIKI and Passport.”