---
title: "nCino Integration — nCino Income Verification | nCino Lending Integration | Truv"
category: Integrations
url: "https://truv.com/mortgage-lending/pos-integrations/ncino"
description: "Truv nCino integration delivers income, employment, and asset verification inside the loan application. nCino income verification and nCino lending integration approved by Fannie Mae and Freddie Mac."
---

# nCino Integration

Truv integrates directly with nCino to enable income, employment, and asset verification inside the loan application. Lenders can pre-qualify more borrowers without leaving nCino, using direct-to-source payroll and financial data.

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

## What Truv Provides in nCino

### Authorized Income and Employment Reports for DU and LPA

Truv income and employment reports are approved by Fannie Mae and Freddie Mac for use with Desktop Underwriter and Loan Product Advisor. Lenders receive rep and warrant relief on verified loan components.

### Income Calculations for Rep and Warrant Relief

Truv Document Processing retrieves wage documents for Freddie Mac AIM-eligible income types — including base, bonus, commission, and overtime — directly inside nCino.

### Authorized Asset Reports for DU and LPA

Truv asset verification reports are approved for use with Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor.

### Embed Truv in the 1003

Verification is triggered directly within the Uniform Residential Loan Application (1003) in nCino — no separate borrower redirect required.

### Send Verification Orders via SMS and Email

Loan officers can initiate verification requests via link sent to the borrower by SMS or email, directly from within nCino.

### Task Reminders Inside nCino

Set automated reminders for pending verifications within the nCino workflow to reduce follow-up time.

## Key Use Cases

- Mortgage loan pre-qualification and underwriting
- DU and LPA submission with rep and warrant relief
- Income and asset verification for purchase and refinance loans

## Benefits

- **More pre-qualifications:** Real-time verification at application reduces friction for borrowers.
- **Fannie Mae and Freddie Mac approved:** Reports accepted by both automated underwriting systems.
- **No workflow disruption:** Truv embeds inside nCino without additional systems or borrower redirects.

## Related Pages

- [POS Integrations Overview](https://truv.com/mortgage-lending/pos-integrations)
- [Income and Employment Verification](https://truv.com/mortgage-lending/income-and-employment-verification)
- [Asset Verification](https://truv.com/mortgage-lending/asset-verification)
- [Fannie Mae Day 1 Certainty](https://truv.com/partners/fannie-mae)
- [Home Lending](https://truv.com/mortgage-lending)
- [Developer Documentation](https://truv.com/docs)
- [Contact Sales](https://truv.com/contact-sales)