As the market's leading multi-data source verification platform, Truv powers consumer-permissioned income and employment verification via payroll and employer connections, asset verification via financial institution connections – and offers document upload as built-in fallback solution. But unlike traditional document upload workflows, Truv's solution isn't just a fallback. It's a strategic verification method that provides lenders with benefits beyond streamlined document sharing.
One Platform, Multiple Solutions, Built-in Benefits
With Truv, lenders don't need separate vendors for VOIE, VOA, and document collection — it's all delivered through one unified interface. When a borrower can't connect their payroll account they seamlessly transition to Truv's document upload experience without leaving the verification workflow.
But what makes Truv's document upload truly valuable isn't just the convenience of a single UI. It's what happens after the borrower uploads their paystubs and W-2s. With Truv doc upload, lenders aren't losing out on representation and warranty (R&W) relief assessment opportunities — they're gaining them.
Truv + Freddie Mac AIM Check API: Automated Income Analysis
Truv is integrated with Freddie Mac AIM Check application programming interface (API). The API, which utilizes Loan Product Advisor® (LPA®) asset and income modeler (AIM) capabilities, enables Freddie Mac-approved Sellers to get an early view of a borrower's income before submitting a full application through LPA.
How it Works:
Step 1: Borrower uploads paystubs & W-2s in Truv Bridge.
Step 2: Truv digitizes data from paystubs & W-2s, extracting income and employment details.
Step 3: Truv submits paystub & W-2 data to AIM Check API with Truv Report ID and returns results to lender.
Step 4: Lender receives a real-time, early view of LPA's income calculation.
Step 5: Lender reviews API results. If LPA submission is applicable, lender submits Report ID & full application to LPA for assessment of the data for potential R&W relief eligibility for income calculation.
This means, even in cases where a borrower opts out of payroll-based verification of income and employment, Truv's document upload solution enables assessment for income R&W relief eligibility opportunities with Freddie Mac's LPA.
65%+ Reports Are Validated with Income Calculation
Theory is one thing. Performance is another. Recent data from one of Truv's lender clients demonstrates exactly how effective this approach is in practice.
Over a four-week period, one lender processed 800+ borrower cases using Truv's document upload solution. Of those borrowers who successfully submitted documents:
Nearly two thirds resulted in a successful assessment for income analysis and validated income calculation.
This number represents:
- Cases where Truv was able to digitize the uploaded documents (paystubs/W-2s) with sufficient quality and completeness
- Successfully extract the required data fields (identity, employment, income data)
- Submit that structured data to Freddie Mac AIM Check API
- The API returns Freddie Mac's automated income assessment
What happened to the other ~35%?
- Documents may have been incomplete (missing paystubs or W-2s)
- Image quality issues prevented accurate data extraction
- Borrowers started the process but didn't complete the upload process
A Complete Verification Solution — All in One
Truv's customer results prove why Truv's multi-data source approach matters. The platform doesn't just offer document upload as an afterthought. It's architected as a first-class verification method with the same focus on compliance, automation, peace of mind, and borrower experience that lenders value with Truv's income, employment and asset verifications.
- For borrowers: the experience is seamless: one interface, whether they're connecting a payroll account, a financial institution or uploading documents.
- For lenders: the outcome is consistent: structured data, automated income calculations, and eligibility for R&W relief, regardless of which verification path or Truv solution the borrower chooses.
The Bottom Line
For lenders evaluating verification strategies, the question isn't whether to prioritize automation or accept manual processes. With Truv, it's possible to have it all: direct-to-source data connections when available, and Freddie Mac-eligible, document-based verification reports when they're not.
That's the power of a truly integrated, multi-data source platform. And that's what makes Truv's approach to verification transformative for lenders.
