--- title: "Truv vs Truework: The Truework Alternative | Truv" category: Comparison url: "https://truv.com/vs/truework" description: "Truv is the leading Truework alternative for income, employment, and asset verification: proprietary payroll, bank, and document data built fully in-house." --- # Truv vs Truework Truv is the leading Truework alternative for income, employment, and asset verification. Both are consumer-permissioned platforms, but they are built differently: Truv owns and operates its payroll, bank, and document verification rails in-house, with no third-party intermediaries in the data path. Truework assembles its stack from third-party partnerships for payroll and documents, plus an in-house call center, and its product offering is limited to income and employment verification. Owning every layer is what gives Truv in-house control over conversion, cost, and support. - **URL:** https://truv.com/vs/truework - **Contact:** https://truv.com/contact-sales - **Trust Portal:** https://trust.truv.com ## How Truv Differs from Truework Truv is an open finance platform with verification infrastructure built and operated fully in-house. The consumer authorizes a direct connection to their payroll provider, employer, or bank, and Truv returns a structured verification — including original pay stubs and W2s — across a single, consistent platform. Truework runs a status waterfall that combines instant hits via third-party partnerships, consumer-permissioned verifications via third-party partnerships, documents via a third-party provider, and an in-house call center. Because most of that waterfall is not owned in-house, cost, pricing, roadmap, and support can depend on the underlying vendors. ## Why Buyers Choose Truv Over Truework - **Full product suite:** Truv adds proprietary asset verification and automated document processing alongside income and employment verification, so mortgage income, employment, and asset verifications complete end to end with a single vendor. Truework's offering is limited to income and employment verification. - **Data quality:** Truv is eligible for rep and warrant relief across all verification products — income and employment, assets, and document upload — and is approved by Fannie Mae (Day 1 Certainty) and Freddie Mac (AIM). - **Consistent experience:** One interface, one structured output, and consistent connection speeds across every data source, instead of an experience that varies by underlying provider. - **Support:** One accountable Truv team owns payroll, bank, and document verification, so issues are resolved in a single fast loop rather than bouncing between a platform and its underlying providers. ## Coverage - Approximately 96% of the U.S. workforce via direct payroll connections, with 2.3M+ employers and 300K+ employer-to-provider mappings. - 14,000+ financial institutions, with 75%+ supporting direct OAuth connections, and 98% of accounts for bank-based income and asset data. - 99.9% fraud detection accuracy on pay stubs, W2s, 1099s, and 1040s through a built-in document fallback. ## How Truv Compares - **Platform model:** Truv builds and operates all verification infrastructure in-house (build, not buy). Truework buys, not builds, sourcing payroll and document data through third-party partnerships. - **Asset verification:** Truv offers proprietary, Fannie Mae and Freddie Mac approved asset verification. Truework does not offer an asset verification product. - **Documents:** Truv automates document processing with no human in the loop. Truework processes documents through a third party with a human in the loop. - **Pricing:** Truv charges per successful verification on funded loans (pay-per-closed-loan). Truework uses blended, per-verification pricing across its call-center, document-based, and consumer-permissioned methods. ## Key Use Cases - Replace or complement Truework for verification of income and employment (VOIE) and verification of assets (VOA) in mortgage origination. - Add proprietary asset verification and automated document processing to an income and employment verification workflow with a single vendor. - Verify income and employment for consumer lending, auto lending, tenant screening, and background screening. ## Frequently Asked Questions ### What is the main difference between Truv and Truework? Truv builds its payroll, bank, and document verification in-house, while Truework assembles its stack from third-party partnerships for payroll and documents plus an in-house call center. Owning every layer is what gives Truv control over conversion, cost, and support. ### Does Truv offer asset verification like Truework? Truework does not offer an asset verification product. Truv does: a Fannie Mae and Freddie Mac approved solution across 14,000+ financial institutions, with 75%+ OAuth connections and 2+ years of account history data. ### How does Truv pricing compare to Truework? Truv charges per successful verification on funded loans, so you pay only for actionable data. Truework uses blended, per-verification pricing across its call-center, document-based, and consumer-permissioned methods. ### Does Truv rely on third-party data aggregators? No. Truv owns its payroll, bank, and document rails end to end, with no middlemen in the data path. Truework's payroll data runs through third-party partners and its documents through a third-party provider. ### Is Truv proven with large lenders and financial institutions? Yes. Truv serves 200+ financial institutions, including top lenders, banks, and credit unions such as CrossCountry Mortgage, Prosperity Home Mortgage, and CMG Financial. ## Related Pages - [Why Truv](https://truv.com/why-truv) - [Income Verification](https://truv.com/products/income-verification) - [Asset Verification](https://truv.com/mortgage-lending/asset-verification) - [Document Verification](https://truv.com/mortgage-lending/income-document-verification) - [Waterfall](https://truv.com/platform/waterfall) - [Fannie Mae Day 1 Certainty](https://truv.com/partners/fannie-mae) - [Truv Trust Portal](https://trust.truv.com) - [Contact Sales](https://truv.com/contact-sales) _Truework is a trademark of its respective owner. Truv is not affiliated with or endorsed by Truework._