Direct Account Connection
Borrowers connect payroll providers and financial institutions inline during the loan application. No separate portal.
Automated Task Follow-Up
nCino automatically generates follow-up tasks if borrowers skip verification during the application
Automatic Document Delivery
Truv delivers VOIE and VOA reports with supporting documents (pay stubs, W-2s) directly to the loan file
LOS Field Mapping
Verification data automatically maps into major LOS platforms (including Encompass®) for accurate 1003 URLA population
Integration workflows
Two integration approaches are available:Application
Borrowers connect payroll accounts and financial institutions inline during the pre-application stage. No separate step or page required. Truv verification is part of the borrower’s standard nCino application experience.Follow-up
Borrowers complete the pre-application first, then receive email/SMS notifications prompting them to complete verification separately. Products and templates are configured in the Truv Dashboard.Go Live with Truv in nCino
Contact nCino Customer Success
Reach out to nCino at mortgagehelp@ncino.com for one-time admin setup or issue resolution.
Create templates for VOIE and VOA
Set up separate templates in the Truv Dashboard for each product type.
Enable Truv via Integration Self Service
Complete the self-service setup in nCino Settings (recommended) using the steps below.
Test in Sandbox
Use “Truv Payroll Provider” and “Truv Bank” test login scenarios to ensure the integration is working.
nCino Setup Guide
Step 1: Navigate to Integration Self Service
In nCino, go to Settings → Integration Self Service and click the + Add button in the top right corner.
Step 2: Select Integration Type and Vendor
- API Type: Verification VoIE
- Vendor: Truv
Step 3: Configure Credentials
Enter the following fields:- Username: Client ID from Truv Dashboard → API Keys
- Password: Secret from Truv Dashboard → API Keys
- Environment: Select production
- VOA Template ID: Template ID from Truv Dashboard → Templates
- VOIE Template ID: Template ID from Truv Dashboard → Templates
Customization
Truv within nCino can be enabled at multiple levels:- Company-wide: applies to all teams and branches
- Region level: scoped to a specific region
- Branch level: scoped to specific branches using matching template names
- Loan Officer level: scoped to specific loan officers
Branch-Level Customization
- In nCino, navigate to Regions and create or modify a region
- Go to Region Details → Region Info → Branches
- Under Branch Settings → Branch Info → Cost Centers, input the cost center name and save
- In the Truv Dashboard, navigate to Templates and create a template with a name matching the branch cost center
- The template’s customizations automatically apply to borrowers in that branch
Borrower workflow
Step 1: Borrowers enter basic personal, dependent, and residence information.
Step 2: Borrowers and co-borrowers are prompted to connect employers with Truv directly in the loan application. No separate navigation required.
Step 3: Borrowers can connect financial institutions in the Assets and Liabilities section of the application.
Step 4: Once verifications complete and the application is submitted, lenders navigate to Loan Application → Documents tab to access:
- VOIE PDF report: includes up to 6 most recent pay stubs and up to 3 years of W-2s per connected employer
- VOA PDF report: asset balances and transaction history
Next steps
POS Integrations
View all POS integration options
Sandbox Testing
Test your integration in sandbox