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The Work Number vs Mastercard Open Finance

Verification & Data head-to-head · axis by axis, same rubric for both

All Verification & Data head-to-heads →

The Work Number
Equifax Inc.
3.4
Mastercard Open Finance
Mastercard
2.6
AxisThe Work NumberMastercard Open Finance
Production impact 4.1 2.8
Functionality & depth 3.6 2.8
Integrations & ecosystem 4.3 2.8
Adoption & support 3.5 2.3
Return on spend 1.8 2.3
Overall 3.4 2.6

The Work Number wins 4 of 5 axes. Same rubric, same weights, no sponsorships.

What the rubric says

The Work Number and Mastercard Open Finance are both scored in Verification & Data. The Work Number carries an overall of 3.4, Mastercard Open Finance an overall of 2.6. The widest gap between them is Integrations and ecosystem, at 1.5 of a point. That axis measures how well it reaches the rest of the stack. The Work Number takes it, 4.3 to 2.8.

Where the five axes separate

On Integrations and ecosystem the record favours The Work Number, 4.3 against 2.8. On Production impact the record favours The Work Number, 4.1 against 2.8. On Adoption and support the record favours The Work Number, 3.5 against 2.3.

Names, because the URL and the brand differ

Mastercard Open Finance was formerly Finicity.

Pricing posture

The Work Number does not publish pricing. Its listed model is quote only, priced per verification. Mastercard Open Finance does not publish pricing. Its listed model is quote only.

Deployment and who each one targets

Deployment for The Work Number: Cloud, reached by REST API, batch SFTP, web portal or direct LOS integration. Deployment for Mastercard Open Finance: Cloud, API. Segment focus for The Work Number: Any lender that needs instant employment and income data with GSE rep and warrant. Segment focus for Mastercard Open Finance: Large lenders and verification vendors buying permissioned bank data connectivity at scale. The two entries name different buyers.

What each record credits

The Work Number: Authorized for Fannie Mae DU validation and Freddie Mac AIM, so hits bring relief. Mastercard Open Finance: Mastercard states connectivity reaching roughly 95 percent of US deposit accounts.

What each record holds against them

The Work Number: Highest per-verification cost in the category; a class action alleges $17.85 rose to $66.45. Mastercard Open Finance: Finicity’s mortgage site is gone, and Mastercard restates no GSE approvals or product names.

Which one fits which shop

Best fit for The Work Number: Lenders who need the highest instant hit rate and have decided to pay. Best fit for Mastercard Open Finance: Teams needing broad permissioned bank data from a counterparty with no solvency question.

The short answer

The Work Number finishes ahead on the published rubric, 3.4 to 2.6. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.

Who stands behind this review

MortgageTechReview

This score rests on evidence anyone can check. It also rests on the vendor's own documentation, pricing, integration pages, and ownership records. We do not claim to run every product ourselves. Nobody can. The rubric was published before this review existed. The vendor did not write this, and no vendor can buy a word of it. Every product in this category is weighted the same way.

How this was scored · Who publishes this · Dispute this score · Disclosure

Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →

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