---
title: "Mortgage Income Verification | Income, Employment & Asset Verification | Truv"
category: Solutions
url: "https://truv.com/mortgage-lending"
description: "Streamline mortgage workflows with faster income, employment, and asset verification. Reduce conditions, improve pull-through, and speed approvals."
---

# Mortgage Lending

Verify income, employment, and assets in minutes. All-in-one, multi-data source platform powered by proprietary technology — direct-to-source data for mortgage lenders, home equity lenders, and HELOC lenders. Truv connects directly to payroll providers, employers, and financial institutions to deliver verified income, employment, and asset data in minutes — with a built-in Document Processing fallback for borrowers to upload W-2s, 1099s, 1040s, and paystubs.

- **URL:** https://truv.com/mortgage-lending
- **Contact:** https://truv.com/contact-sales

## Customers

Mortgage lenders using Truv include CrossCountry Mortgage, Prosperity Home Mortgage, CMG Financial, Revolution Mortgage, and FlatBranch.

## Coverage at a Glance

- **Verify 50%+ of borrowers in real time** with direct payroll connections
- **96% of the U.S. workforce** covered via payroll data
- **2.3M+ employers** and 300K+ provider-to-employer mappings
- **93+ payroll providers** and **14,000+ financial institutions**
- **Up to 80% savings** vs. legacy verification vendors (TWN)
- **~$350 average margin uplift** per closed loan

## Verification Suite

### Income & Employment
Payroll-based for W-2, gig, retirement, disability, and more. VOI/VOE/VOA/Docs approved by Fannie Mae and Freddie Mac.

### Assets
Bank-based income, employment, deposit, and asset reports.

### Document Processing
Doc-based fallback: paystubs, W-2s, 1099s, and 1040s. Approved integrator of Freddie Mac AIM Check API for income calculation rep and warrant relief.

### Reverification
Pre-closing VOE and DVOE refresh reports for GSE compliance.

## Agency Approvals

Truv is an authorized mortgage verification partner for Fannie Mae Day 1 Certainty. Truv is approved under Freddie Mac's AIM program for automated income and asset verification. These approvals help lenders reduce repurchase risk and improve rep and warrant relief acceptance rates with Truv-verified income and employment data.

- [Fannie Mae partnership details](https://truv.com/partners/fannie-mae)
- [Freddie Mac partnership details](https://truv.com/partners/freddie-mac)

## Why Partner with Truv

### Conversion
Verify 50%+ of borrowers in real time with a borrower experience optimized for high conversion and minimum friction.

### Coverage
Cover all types of borrowers with leading bank, payroll, and document coverage pulled directly from the source.

### Cost Savings
Flexible pricing and bundled solutions. Minimize vendor relationships and save up to 80% versus TWN.

### Data Quality
Industry-leading rep and warrant relief. Full suite of products approved by Fannie Mae and Freddie Mac: VOI/VOE/VOA/Docs.

### Integrations
Implement Truv in days. Out-of-the-box POS and LOS integrations to streamline existing workflow.

## Workflow Capabilities

- **Embed in Point-of-Sale** — automate verifications during the application process
- **Auto-Trigger Follow-Ups** — automated to-do tasks in your POS for borrowers who skip Truv in-app
- **Deploy Orders in the LOS** — automated email/SMS notifications based on loan milestones
- **Reverify Cross-Platform** — data flows from POS to LOS for seamless pre-closing refresh reports
- **Truv Dashboard Online** — branded email/SMS notifications via web-based portal

## Integrations

### Loan Origination Systems

- [Encompass](https://truv.com/mortgage-lending/los-integrations/encompass)® by ICE Mortgage Technology — native integration with real-time verification and pre-closing reverifications
- Dark Matter Technology's [Empower](https://truv.com/mortgage-lending/los-integrations/empower)
- BYTE Software
- [Full list of supported systems](https://truv.com/mortgage-lending/los-integrations): Blue Sage Solutions, Vesta Software

### Point-of-Sale Platforms

[Supported systems](https://truv.com/mortgage-lending/pos-integrations): nCino Mortgage Suite, Floify, BeSmartee, LenderLogix, LodaSoft, Blend, BlueSage LION, Encompass Consumer Connect

## Customer Results

- **Revolution Mortgage:** verification costs dropped from 8 basis points to 3 basis points per loan
- **CMG Financial:** borrower-driven verification model delivers a more complete income profile across investor base

## Benefits

- **Cost savings:** Reduce verification spend by up to 80% over legacy providers.
- **Faster processing:** Retrieve reports in under 60 seconds.
- **Reduced fraud risk:** Data sourced directly from payroll systems, employers, and financial institutions.
- **Lower buyback risk:** Agency-approved verification suite reduces lender liability.
- **Higher coverage:** Full suite of verification solutions ensures successful borrower connections.

## Related Pages

- [Income and Employment Verification](https://truv.com/mortgage-lending/income-and-employment-verification)
- [Asset Verification](https://truv.com/mortgage-lending/asset-verification)
- [Document Processing](https://truv.com/mortgage-lending/income-document-verification)
- [Employment Reverification](https://truv.com/mortgage-lending/employment-reverification)
- [Fannie Mae — Day 1 Certainty](https://truv.com/partners/fannie-mae)
- [Freddie Mac](https://truv.com/partners/freddie-mac)
- [Encompass Integration](https://truv.com/mortgage-lending/los-integrations/encompass)
- [Truv Bridge](https://truv.com/platform/truv-bridge)
- [Waterfall](https://truv.com/platform/waterfall)
- [Developer Documentation](https://truv.com/docs)
- [Contact Sales](https://truv.com/contact-sales)