FormFree®
Software DevelopmentGeorgia, United States11-50 Employees
FormFree is a software development company based in Athens, Georgia, that focuses on improving lenders’ understanding of credit risk. Its Passport product, described as a patented solution, aims to reveal a customer’s true ability to pay, supporting more inclusive credit decisioning, alongside a residual income analysis approach called the Residual Knowledge Income Index. The company serves the mortgage and lending market by providing tools that help lenders assess creditworthiness beyond traditional indicators, with recent updates to Passport Wallet intended to streamline the credit and loan processes for consumers. Positioned in the financial technology sector, FormFree has earned recognition in industry rankings such as HousingWire Tech100 Mortgage and has sustained activity around product enhancements and leadership appointments. The organization operates from the United States, maintaining a focus on enabling lenders to evaluate risk more comprehensively, and has a history dating back to 2007 in financial technology development.
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