Verify income, employment, and assets in minutes.
All-in-one, GSE-accepted platform. Save $350+ per closed loan.
Trusted by leading mortgage lenders
Built in-house, verified at the source.
Starting at $50 per verification. No subscription required.
Income and employment verification
Verify applicant income and employment history directly from payroll systems. GSE-accepted.
Asset verification
Verify bank account balances and transaction history for down payment sourcing. GSE-accepted.
Payroll-based employment verification
Verify employment status and history directly from payroll systems. GSE-accepted.
Deposit-based employment verification
Verify employment through bank deposit patterns and transaction history.
Why partner with Truv?
Verify 50%+ borrowers in real time.
Borrower experience optimized for high conversion and minimum friction. Direct payroll connections return data in seconds.
Cover all types of borrowers.
Leading bank, payroll, and doc coverage pulls data directly from the source. 96% US workforce coverage across 2.3M+ employers.
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Flexible pricing, bundled solutions.
Minimize vendor relationships and save up to 80% over TWN. Increase margins by $350 per closed loan.
Industry-leading rep & warrant relief.
Full suite of products approved by Fannie Mae and Freddie Mac. VOI/E/A/Docs — all GSE-compliant.
How It Works
Place an Order
Enter borrower details and select verification products. Pay securely or bill to your account.
Borrower Verifies
The borrower receives a link via SMS and email. They connect their payroll or bank account through a secure, GSE-compliant widget.
Report Delivered
GSE-accepted verification reports are delivered to your LOS. Close the loan with confidence.
Join 60+ mortgage lenders already using Truv.
Lenders like Cross Country Mortgage, CMG Financial, Prosperity Home Loans and more trust Truv for GSE-compliant income and employment verification.
Explore how Truv compares.
More accurate than The Work Number
Direct payroll connections deliver real-time verified data. No stale records or missing employers.
Better coverage for small employers
Truv connects to payroll systems like Gusto, Paychex, and ADP Run that traditional databases miss.
No manual verification fallback
Automated connections eliminate phone calls, faxes, and VOE letters.
Simple, transparent pricing.
Pay as you go or save with monthly bundles.
Pay as you go
No monthly fee. Best for occasional use (less than ~10 verifications/month).
No monthly fee
- Email Support
- Help Center & Developer Docs
Launch
Best for loan officers getting started with Truv verifications.
10 reports included
$40 per verification
- Email Support
- Help Center & Developer Docs
- Trust Center & SOC2 Report
Growth
Best for growing mortgage teams scaling verification volume.
20 reports included
$35 per verification
Everything in Launch and
- POS & LOS Configuration
- 30-Day Onboarding Support
Professional
Best for mid-sized lenders who need hands-on partnership.
50 reports included
$30 per verification
Everything in Growth and
- Dedicated CSM
- Custom Team Training
Professional Plus
Best for high-volume teams. Lowest per-verification rate.
100 reports included
$25 per verification
Everything in Professional and
- Premium Support
- Quarterly Business Reviews
All plans include
Income and employment verification
Verify applicant income and employment history directly from payroll systems. GSE-accepted.
Asset verification
Verify bank account balances and transaction history for down payment sourcing. GSE-accepted.
Payroll-based employment verification
Verify employment status and history directly from payroll systems. GSE-accepted.
Deposit-based employment verification
Verify employment through bank deposit patterns and transaction history.
Free Custom Logo
Customize your invitations with your company logo.
Whitelabeled Solution
Customize the borrower experience with your branding.
Unlimited Users
Add your entire team at no extra cost.
Mortgage lending FAQs.
Yes. Truv is an approved verification vendor for both Fannie Mae and Freddie Mac. Our reports meet all GSE formatting and data requirements.
Most verifications complete in under 24 hours. When the applicant connects their payroll account directly, results can be returned in minutes.
Truv connects to 80+ payroll providers including ADP, Workday, Paychex, Gusto, UKG, and many more. Coverage spans large enterprises to small businesses.
No. Truv charges a flat $50 per verification with no monthly fees, minimums, or commitments.
Start verifying borrowers today.
No subscription. No setup fees. Pay $50 per verification only when you need it.