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Bath Building Society partners with Sikoia to modernise mortgage verification
Bath is using Sikoia to automate key parts of the mortgage verification process, including document handling, income verification and affordability checks.
One Mortgage System (OMS), the leading CRM and loan origination platform for intermediaries and lenders, has expanded its partnership with Sikoia, introducing enhanced data and document checks across its CRM and Originations platforms. Building on the initial integration of Sikoia’s AI-driven document processing, the latest update strengthens system pre-population, expands the range of data returned, and delivers clearer insights within the case workflow.
OMS users can run bank statements, payslips and tax returns checks directly within the platform to check for completeness, document integrity and income and affordability verification. This supports income assessment on more complex cases, while keeping checks within a single process. A refreshed user interface makes the system easier to use and key information quicker to find during case progression. An enhanced insights overview and clearer document processing feedback provide greater transparency, including detailed explanations of why documents pass or fail integrity checks.
The new functionality is now live for all OMS users, reinforcing a shared focus on accuracy, transparency and reduced administrative burden for brokers and lenders.
Jodie Andrews, Head of Marketing, Sales & Partnerships of One Mortgage System, commented:
“This next phase in our partnership with Sikoia focuses on using data more effectively across the platform. It’s not just about document checks, but making sure the information supports the wider case journey. These changes reduce friction, improve visibility and give users greater confidence in the data they are handling, which is vital when dealing with complex borrowing and lending requirements.”
Alexis Rog, CEO and Founder of Sikoia, added:
“This expansion reflects our commitment to embedding intelligent automation directly into the tools brokers and lenders already use every day. By enhancing pre-population, expanding data extraction and providing clearer integrity feedback, we are enabling faster assessments without compromising on rigour. Our goal is to make high-quality financial data instantly usable across the entire origination journey.”
OMS is the UK’s only end-to-end platform covering residential, buy-to-let, second charge, equity release, bridging, and commercial mortgages - plus general insurance, and protection - to provide users with best in class for product sourcing, protection sourcing and criteria searching.
About OMS
One Mortgage System (OMS) is an all-encompassing CRM Platform and Loan Origination SAAS system that powers Brokers, Networks and Lenders. Features include: a CRM, audit trails, pre-population of documents, OCR reading, DIPs and full two-way integration with over 45 integrations.
The platform allows encrypted document uploads, sourcing, ESIS, evidence of research, email and SMS updates, pre-underwriting, AVMs, credit searches and so much more to help saves hours of administration and processing times. OMS has over 3,200 Broker subscribers and has built lender origination systems for 9 lenders. The value of lending transacted by users of OMS in the second half of 2025 amounted to an average of £1.75bn per month.
About Sikoia
Sikoia is a London-based Fintech that helps financial services providers automate key parts of their customer verification processes. Designed to streamline the customer verification process, Sikoia offers centralised access to organised customer data, alongside providing automated insights that simplify the onboarding experience. Its solutions are built for seamless integration into existing systems via API, or for direct use through its straightforward, ready-to-use Customer Evaluation Dashboard.
Sikoia serves Fintechs and larger established institutions in more than three countries, is regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) and Credit Reference Provider and is backed by leading institutional investors.
Sikoia Ltd is authorized and regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) under the Payment Services Regulations 2017 (FRN: 942979) and as a credit reference provider (FRN: 942616). Sikoia Ltd is a credit broker and not a lender. Credit is subject to status.
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