Overview

Truv’s integration with the Vesta Loan Origination Platform brings maximum efficiency, scalability, and automation to income and employment verification workflows. By embedding Truv directly into Vesta’s task-based LOS, lenders gain access to real-time borrower data, reduce costs, and streamline operations—all without leaving the Vesta environment.

Key Benefits

• Improved Loan Quality: Real-time data and rule-based logic help identify issues early, reducing underwriting friction.
• Faster Closings: Parallel processing enables instant verifications, accelerating the loan cycle.
• Streamlined Borrower Experience: Borrowers link payroll accounts once—Truv handles the rest, delivering paystubs and W-2s automatically.
• Reliable Partnership: A modern, intuitive workflow that empowers teams without adding complexity.
• Reduced Costs: Save 60–80% on verification expenses with automated workflows and free re-verifications.
• Future-Ready Integration: Supports Day 1 Certainty® and AIM via a scalable, API-first architecture.

How it works

The Truv integration within BYTE Software allows you to leverage automated employment and income verification directly in your existing workflow. Here’s how it works:

1. Application Submission: Operations team can initiate and submit the loan application through the Vesta UI.
2. Request Verification: Navigate to the Income section. Click Actions → Order Income Verification, then select Truv from the list of providers. The request is automatically routed for processing.
3. Borrower Notification: Borrowers are notified via email and text, specified in the loan application, to complete the requested verifications. The borrower experience is completely customized through the Truv Dashboard -> Templates. Borrower is required to authenticate into the employers requested to complete the verification.
4. Automated Data Retrieval: Once borrower completes the requested verification. Truv retrieves the income and employment data from connected payroll systems and the data retrieved is automatically populated in Vesta, allowing for a seamless continuation of the loan process.

Enabling the Integration

Vesta’s modular, API-first architecture allows for quick onboarding with Truv. Setup steps typically include:

• API Credentials: Obtain your Truv sandbox and production API keys from the Truv dashboard.
• Partner Configuration: Within Vesta’s admin settings, enable Truv as a verification provider.
• User Permissions: Ensure your team has the correct permissions to place verification orders and view results.
• Template Alignment: Coordinate with Truv to align templates (branding, document preferences, fallback rules) to your workflows.

Work with your Truv CSM and Vesta technical contact to complete setup and test end-to-end flows before launch.

Ordering a Verification

The Truv integration within Vesta enables a seamless, real-time income and employment verification experience—right from within your LOS. Here's a step-by-step breakdown of the process:

Once the integration is enabled, follow these steps to order a verification:

1. Open Loan Application:

   1. Navigate to the Pipeline view in Vesta.
   2. Select the loan application where you want to order VOIE.
   3. Ensure borrower details such as email and phone number are on the loan file.

2. Initiate Income verification:

   1. In the loan file, go to the Incomes section from the left navigation menu.
   2. In the Income tab, click on the Actions button at the top right.
   3. Select Order income verification from the dropdown.

3. Select Employers to verify:

   1. In the Order income verification window.
   2. Choose Truv as the provider and select Credentials as the service option.
   3. Check the boxes for all employment records you want to verify (for one or multiple borrowers).

4. Submit Order: Once selections are complete, click Place order.

5. Notify the borrower:

   1. Borrowers automatically receive both email and SMS notifications based on the contact details in the loan file.
   2. They are prompted to connect their payroll account securely through Truv Bridge, enabling real-time data retrieval.

Retrieving Reports and Documents

To retrieve reports and documents after ordering a verification:

1. Access Completed Verifications: Once Truv has completed the verification, you’ll receive a notification within BYTE Software.
2. View Verification Details: Go to the Verifications section of the loan application and click on the completed Truv verification.
3. Download Reports: You can view and download the verification report, which includes detailed information on the applicant's income and employment.
4. Attach to Application: Attach the report directly to the loan application for easy access during underwriting.

Overview of Truv within Vesta

Borrowers engage with Truv when a verification request is triggered from within Vesta:

• Borrowers receive a secure link to connect to their payroll account or financial institution.
• If login credentials are available, they authenticate via credentials or one-time passcode.
• Truv verifies the data, detects potential fraud, and delivers a structured report with attachments back to Vesta for lender review.

This experience supports both direct API and link-based flows and is optimized to reduce borrower drop-off and improve data collection speed.

Launch with Truv in Vesta

• Contact Customer Success: Reach out to your Truv or Vesta Customer Success team to begin onboarding.
• Enable Truv: Add Truv as a verification provider within your Vesta LOS instance.
• Customize Templates: Work with Truv to set up templates aligned with your branding, GSE requirements, and fallback handling.
• Test in Sandbox Mode: Run end-to-end tests using Vesta’s sandbox loan creation and Truv’s simulated data.
• Go Live: Transition to production once verification flows are fully validated.

Refer to the detailed step-by-step guide to launch Truv within Vesta.