Truv - The Mortgage Collaborative

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All-In-One Verification Platform

Founded in 2020 and trusted by 120+ lenders and counting, Truv is the market’s leading all-in-one verification solution that powers customizable verification waterfalls for mortgage lenders to achieve up to 70% conversion. Truv’s consumer-permissioned platform is proven to solve for income and employment, assets, and insurance verifications – with real-time data straight from the source.

Income & Employment Verification

Truv’s direct-to-payroll provider VOIE solution covers 96% of the US workforce and is proven to accelerate loan processing while saving lenders 60-80% on verification costs.

Truv is an authorized report supplier for Fannie Mae’s Desktop Underwriter® (DU®) validation service and an approved provider of Freddie Mac’s Loan Product Advisor® (LPASM) asset and income modeler (AIM).

Document Processing

Truv’s Document Upload was built as a fallback solution to optimize conversion, using advanced AI to examine thousands of data points and detect tampering with 99.9% accuracy.

Truv is now integrated with Freddie Mac AIM Check API, supporting automated assessment of income using data directly extracted from borrower-supplied W-2s and paystubs.

Asset Verification

With 13,000+ direct-to-source bank account connections and 75%+ OAuth connections that safeguard borrowers’ credentials from unauthorized use, Truv VOA has been optimized for the borrower experience, providing market-leading coverage and secure connections.

Truv is an authorized report supplier for Fannie Mae’s Desktop Underwriter® (DU®) validation service.

Insurance Verification

Truv’s insurance solution covers 91% of US home insurance policies and connects borrowers directly to insurance providers to verify home insurance in seconds, including premiums, limits, declarations, and deductibles.