Skip to main content
Verify borrower income, employment, and assets from your loan origination system without embedding any UI. The loan officer creates an order with borrower PII, Truv sends a verification link via email or SMS, and verified data flows back through webhooks.
Integration pattern: Hosted Orders | Products: VOIE, VOE, VOA | Demo: LOS
If you use a supported LOS (ICE Encompass, Blue Sage, Vesta, Dark Matter Empower, BYTE), see LOS Integrations instead.

​
Get started

1

Run the demo

Clone and run the LOS demo to see hosted order creation and borrower outreach working locally.
git clone https://github.com/truvhq/demo-apps.git
cd demo-apps
npm install && npm start
Open http://localhost:5173, select Mortgage > LOS Integration, add a test borrower, and send a verification request. The demo creates an order, displays the share_url, and tracks webhooks as the borrower completes verification.See full setup instructions for ngrok and environment configuration.
2

Understand the API flow

The demo follows this sequence:
  1. Create an order — Your server sends borrower PII (name, email, phone) and selected products to POST /v1/orders/. The response includes an order_id and share_url.
  2. Truv sends the verification link — Truv delivers the share_url to the borrower via email and/or SMS. The borrower completes verification on Truv’s hosted page on their own device.
  3. Receive webhooks — Truv sends an order-status-updated webhook when the borrower completes verification. Verify the signature using the X-Webhook-Sign header with HMAC-SHA256.
  4. Retrieve reports — Fetch the VOIE report with POST /v1/users/{user_id}/reports/ or the assets report with POST /v1/users/{user_id}/assets/reports/.
3

Review the code

Each step maps to a specific file in the demo. Use these as reference when building your integration.
StepDemo fileAPI reference
Order creationserver/routes/orders.jsPOST /v1/orders/
Borrower outreach UIsrc/demos/LOS.jsxHosted Orders
Webhook verificationserver/webhooks.jsWebhook events
Report retrievalserver/routes/user-reports.jsIncome reports

​
Mortgage-specific configuration

​
Borrower contact information

Include both email and phone to maximize completion rates. Truv sends the verification link through both channels. 
{
  "products": ["income", "assets"],
  "first_name": "John",
  "last_name": "Doe",
  "email": "john.doe@example.com",
  "phone": "4155554193",
  "ssn": "222233333",
  "external_user_id": "loan_123"
}

​
SSN for GSE matching

Include the borrower’s SSN in the order to enable GSE report matching for Fannie Mae D1C and Freddie Mac AIM.

​
Automate order creation

Trigger orders automatically based on loan milestones: application submitted, conditional approval, or pre-closing. Automated triggers reduce manual steps and get verification links to borrowers faster.
Use external_user_id to link orders to your internal loan file. This enables tracking across multiple borrowers and verification types for the same loan.

​
Next steps

Dashboard orders

Create orders manually through the Truv Dashboard with no code

CSV bulk upload

Upload orders in bulk for high-volume pipelines

GSE Testing

Validate Fannie Mae D1C and Freddie Mac AIM eligibility

Hosted Orders Guide

Full implementation guide for order creation, notifications, and data retrieval