Truv’s 2025 year-end product releases deliver significant improvements to client workflows and end-user experiences, with a focus expanded functionality in Encompass and Truv Dashboard. Explore the latest developments at Truv!
Truv Platform Updates
Encompass Improvements
Truv’s latest Encompass improvements increase flexibility in order creation and generating new reports, ensuring frontline staff can quickly request and repackage verification data to keep the loan moving quickly.
- Expanded Deposit-Based Verification of Employment (DVOE) Report Support: Lenders can now order DVOE reports directly from the New Order tab, in addition to the existing option to order DVOE when refreshing a Verification of Assets order. This enhancement provides greater flexibility in on-demand report generation, allowing lenders to obtain employment verification through deposit records at any stage of the loan process.
- Create Empty VOIE or VOE Orders: Create orders in Encompass without specifying an employer upfront—ideal for scenarios where the borrower’s employer is initially unknown. Borrowers can then search for and connect their employment history from the past two years directly in Truv Bridge. When enabled, income and employment report data can be automatically written back to the loan file.
- Generate a VOE Report from Completed VOIE Order: When a borrower has already completed a Verification of Income & Employment (VOIE) report, lenders can now generate a VOE report with a GSE Report ID using the existing connected data—no need to reconnect or request new information. This streamlines the underwriting process in when employment verification is needed for loan approval, reducing borrower friction and accelerating decisioning timelines.
Truv Dashboard Updates
- MFA Requirement for Users With API Key Access: To enhance security, all users with access to API Keys—Owners, Administrators, and Developers not using SSO—were sent instructions on how to configure MFA to access Truv Dashboard to streamline the new login requirement, effective December 30, 2025. Visit Truv’s Help Center for more details.
Truv Bridge & Orders Updates
- Previously Connected Account Visibility: We’ve enhanced the Truv verification experience to provide better transparency for end users during the income verification process. When users arrive at the Truv order landing page, they can now see which payroll, employer, or financial accounts they’ve previously connected.
- Automated Multi-Lingual Support: The Truv Order Landing Page and Truv Bridge now support automatic translation into 15 languages: Armenian, Khmer, Chinese, Hindi, Hmong, Japanese, Korean, Laotian, Mien, Punjabi, Russian, Spanish, Tagalog, Thai, and Vietnamese. This enhancement improves conversion rates by removing language barriers and helps ensure compliance with regulations, supporting public sector clients. Languages can be set during order creation or automatically detected based on the user’s device settings.
Conversion Improvements
Behind every data connection is Truv’s team of dedicated engineers actively monitoring performance, troubleshooting issues, and optimizing integrations to ensure smooth connections to payroll providers, employers, and financial institutions.
Verification of Income & Employment
| Company | Prior 30 days | Last 30 days | Improvement |
|---|---|---|---|
| Gusto | 67.17% | 81.5% | +14.33% |
| Paycor | 73.75% | 78.29% | +4.54% |
Verification of Assets
| Financial Institution | Prior 30 days | Last 30 days | Improvement |
|---|---|---|---|
| Navy Federal | 77.41% | 79.81% | +2.4% |
| Charles Schwab | 86.96% | 89.16% | +2.2% |
Customer Spotlight
First Continental Mortgage, Ltd. was spending approximately $2M annually on legacy verification vendors, with fragmented processes and borrower experiences across multiple providers. With Truv’s VOIE and VOA solutions integrated directly into Encompass and nCino workflows, FCM is now on track to save $745,000 per year while accelerating loan processing, improving the borrower journey, and achieving record-high conversion rates.
See the full case study here: https://truv.com/customer-stories/first-continental-mortgage
Customers Come First
The improvements we launched to close out 2025 came directly from client conversations, each built to drive measurable ROI and meaningful operational results. Your insights shape our product roadmap, and we always welcome your feedback!
