Truv, the market's leading provider of direct-to-source income, employment, and asset verifications, today announced a strategic integration with Blend, a leading digital origination platform for banks, credit unions, and independent mortgage bankers. The partnership embeds Truv's income and employment verification capabilities directly inside Blend's mortgage loan application, enabling lenders to collect income and employment data from borrowers upfront, offering borrowers a digital 30-second, in-application process to replace the paper chase.
"Blend powers some of the most sophisticated lenders in the country, and by embedding Truv's direct-to-source verification directly inside their loan application, we're helping those lenders get a complete, accurate picture of borrower income and employment from the very first interaction," said Kirill Klokov, CEO of Truv. "That means faster decisions, higher quality data, and a better borrower experience across the board."
Verification Where It Matters Most — At the Point of Application
The integration makes Truv's Income and Employment verification available natively within Blend's mortgage application flow. When a borrower applies for a loan, they can instantly connect to their payroll provider or employer through Truv's consumer-permissioned platform — no paystubs to upload, no W-2s to chase down. Lenders receive real-time, direct-to-source verification data before the application is even submitted, enabling more confident pre-approval decisions and reducing the back-and-forth that has historically slowed the origination process.
Truv's coverage spans 96% of the U.S. workforce and over 2.3 million employers nationwide, giving Blend lenders the breadth they need to verify the vast majority of their borrower population through a single integration.
A Flexible Post-Submission VOIE Workflow Fallback
For borrowers who do not complete income and employment verification during the application, Truv's VOIE can be triggered as a follow-up task workflow after the application is submitted. Lenders on Blend can configure Truv as a post-submission task, automatically prompting borrowers to complete verification at the next step in the process — ensuring no file moves forward without the data needed to make a sound underwriting decision. This two-stage approach gives lenders maximum flexibility: collect verification upfront when borrowers are engaged, and capture it downstream when needed, all within the same Blend workflow.
Integration Benefits for Blend Lenders
- Collect All Data Upfront: Embed Truv VOIE directly in the Blend loan application to capture income and employment data at the point of application, reducing conditions and improving file quality from the start
- Flexible Post-Submission Task Workflow: Configure Truv VOIE as a follow-up borrower task after application submission for files where upfront verification was not completed
- Accelerated Pre-Approval Timelines: Direct-to-source verification data at the point of application enables lenders to make faster, more informed lending decisions
- Enhanced Borrower Experience: Minimize document collection friction during the application — no paystubs, no W-2s, no manual uploads
- Reduced Application Abandonment: Streamlining the verification process within a familiar, trusted application environment significantly improves conversion rates
- Significant Cost Savings: Lenders using Truv save 60–80% on verification costs compared to traditional solutions
Available Now
Connect with the Truv team today to get started.
About Truv
Truv provides real-time income, employment, and asset verification solutions that help lenders make more informed decisions while reducing friction in the loan application process. Through secure, consumer-permissioned access to payroll data, Truv offers comprehensive coverage across 96% of the U.S. workforce and 2.3M+ employers nationwide. For more information, visit truv.com.
About Blend
Blend Labs, Inc. (NYSE: BLND) is a leading digital origination platform for banks, credit unions, and mortgage lenders. From mortgages to consumer loans to deposit accounts, Blend helps financial institutions streamline workflows, launch faster, and deliver standout customer experiences. In 2024, Blend's platform powered $1.2 trillion in loan applications across the U.S. For more information, visit blend.com.
