---
title: "Income and Employment Verification | Real-Time Verification for Mortgage Lenders | Truv"
category: Products
url: "https://truv.com/mortgage-lending/income-and-employment-verification"
description: "Verify income and employment instantly with consumer-permissioned data. Reduce manual reviews, improve conversion with income and employment verification software for mortgage lenders."
---

# Income and Employment Verification

Real-time, payroll-connected income and employment verification for mortgage lenders. Truv connects directly to payroll systems and employers to retrieve verified data in seconds with compliance-ready reports — built and operated entirely in-house.

- **URL:** https://truv.com/mortgage-lending/income-and-employment-verification
- **Contact:** https://truv.com/contact-sales

## Why Truv VOIE

### Coverage
Tap into the gold-standard data set: direct-to-source payroll connectivity covering ~96% of the U.S. workforce, 2.3M+ employers, 93+ payroll providers, and 300K+ provider-to-employer mappings.

### Data Quality
GSE-ready reports at every milestone — improve validation rates with VOIE and 10-day VOE reports approved under Fannie Mae Day 1 Certainty® (D1C®) and Freddie Mac AIM®.

### Conversion
Maximize conversion with a solution purpose-built for borrower experience and speed. Built-in fallback (Document Processing) catches borrowers when payroll data isn't available.

### Reverification
Customize report data and stay clear-to-close with on-demand refreshes and 10-day pre-closing reverifications.

### Cost Savings
Reduce TWN bills and consolidate multi-vendor contracts. Lenders save up to 80% on average compared to instant databases (60–80% range across customer base).

### Security & Compliance
Meet regulatory requirements while reducing operational risk with certain data and defensible decisions.

## How It Works

1. **Borrower authentication** — borrower connects their payroll or employer account
2. **Built-in fallback** — Document Processing kicks in when direct connection isn't available
3. **Returned data** — structured income, employment, and earnings data delivered to lender
4. **10-day reverification** — automated refresh reports pre-closing without re-engaging the borrower

## Coverage

- ~96% of the U.S. workforce via payroll connections
- 2.3M+ employers and 300K+ employer-to-provider mappings
- 93+ payroll providers
- 14,000+ financial institutions for bank-based income (via VOA fallback)
- Document Processing fallback for paystubs, W-2s, 1099s, and 1040s

## Benefits

- **Cost savings:** Consistent, transparent pricing — up to 80% lower than TWN.
- **Fraud reduction:** Source-direct data reduces fraud risk and lender repurchase exposure.
- **Faster closings:** Verification completes in seconds, improving turnaround times and pull-through.
- **Higher efficiency:** Lenders report higher customer satisfaction and faster close rates.

## Compliance

GSE-eligible: Fannie Mae DU/D1C® and Freddie Mac LPA AIM®. Certified for rep and warrant relief on eligible loans.

## Related Pages

- [Mortgage Lending](https://truv.com/mortgage-lending)
- [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)
- [Truv Bridge](https://truv.com/platform/truv-bridge)
- [Waterfall](https://truv.com/platform/waterfall)
- [Payroll Coverage](https://truv.com/coverage/payroll)
- [Developer Documentation](https://truv.com/docs)
- [Contact Sales](https://truv.com/contact-sales)