Halcyon Becomes First to Deliver Dual Tax Data Through Freddie Mac's AIM

New integration supports automated income assessment for self-employed borrowers.

Mar. 13, 2026 at 6:00pm

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Halcyon, a financial services innovation company, announced a groundbreaking expansion of its integration with Freddie Mac's asset and income modeler (AIM). Halcyon's TrueTax™ solution will become the first platform to deliver a comprehensive tax dataset that combines borrower-provided tax returns data with IRS-sourced tax transcripts through AIM to support the automated income assessment for self-employed borrowers.

Why it matters

This capability addresses a persistent challenge in mortgage lending: efficiently and accurately calculating qualifying income for self-employed borrowers while protecting against income documentation fraud. By integrating TrueTax's dual source methodology with AIM, lenders can now automate the self-employed income assessment with unprecedented confidence and speed.

The details

Halcyon's expanded AIM integration leverages a comprehensive, dual source data approach that transforms self-employed borrower processing. TrueTax processes borrower-provided tax returns using advanced AI-powered document intelligence to extract and calculate qualifying income, while simultaneously retrieving the same tax period data directly from the IRS with borrower authorization to provide independent verification. LPA's AIM then compares both data sources, validating that borrower-provided documents match tax transcript data.

  • Halcyon's expanded AIM integration with dual source data is approved for use by Freddie Mac sellers effective immediately.

The players

Halcyon

A financial services innovation company specializing in IRS direct data integration and AI-powered imaging income verification.

Freddie Mac

A government-sponsored enterprise that provides mortgage capital to lenders.

Kirk Donaldson

The CEO of Halcyon.

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What they’re saying

“Self-employed borrowers represent tremendous growth opportunity for lenders, but manual income calculations and documentation fraud concerns have made this segment expensive and time-consuming to serve. By integrating dual source data with LPA's AIM, we're mitigating both obstacles simultaneously. Lenders get automated calculations with confidence that comes from IRS data verification. It's efficiency and fraud protection in a single workflow.”

— Kirk Donaldson, CEO of Halcyon (PR Newswire)

What’s next

The expanded TrueTax integration with dual source data validation for self-employed borrowers in AIM is approved for use by Freddie Mac sellers effective immediately.

The takeaway

Halcyon's dual source data capability represents the mortgage industry's first fully automated solution for self-employed income verification, combining comprehensive tax transcripts and tax returns data to provide lenders with automated calculations, faster verification, fraud detection, and reduced underwriting costs for this historically complex borrower segment.