> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# nCino (fka SimpleNexus) Integration

> Income, employment, and asset verification embedded in nCino's point-of-sale platform

Truv's Verification of Income and Employment (VOI/E) and Verification of Assets (VOA) integrates with nCino's point-of-sale system to verify borrower data directly. The integration captures verified income, employment, and asset data in real time, directly within the nCino loan application flow.

<CardGroup cols={2}>
  <Card title="Direct Account Connection" icon="link">
    Borrowers connect payroll providers and financial institutions inline during the loan application. No separate portal.
  </Card>

  <Card title="Automated Task Follow-Up" icon="list-check">
    nCino automatically generates follow-up tasks if borrowers skip verification during the application
  </Card>

  <Card title="Automatic Document Delivery" icon="file-arrow-down">
    Truv delivers VOIE and VOA reports with supporting documents (pay stubs, W-2s) directly to the loan file
  </Card>

  <Card title="LOS Field Mapping" icon="arrows-rotate">
    Verification data automatically maps into major LOS platforms (including Encompass®) for accurate 1003 URLA population
  </Card>
</CardGroup>

***

## Integration workflows

Two integration approaches are available:

### Application

Borrowers connect payroll accounts and financial institutions inline during the pre-application stage. No separate step or page required. Truv verification is part of the borrower's standard nCino application experience.

<iframe width="100%" height="400" src="https://www.youtube.com/embed/sufhwhVcYec" title="Truv Embedded Workflow in nCino" frameborder="0" allow="autoplay; fullscreen; encrypted-media; picture-in-picture" allowfullscreen />

### Follow-up

Borrowers complete the pre-application first, then receive email/SMS notifications prompting them to complete verification separately. Products and templates are configured in the Truv Dashboard.

<iframe width="100%" height="400" src="https://www.youtube.com/embed/Zl6pr_GBTLE" title="Truv Notifications Workflow in nCino" frameborder="0" allow="autoplay; fullscreen; encrypted-media; picture-in-picture" allowfullscreen />

***

## Go Live with Truv in nCino

<Steps>
  <Step title="Contact nCino Customer Success">
    Reach out to nCino at [mortgagehelp@ncino.com](mailto:mortgagehelp@ncino.com) for one-time admin setup or issue resolution.
  </Step>

  <Step title="Create templates for VOIE and VOA">
    Set up separate templates in the Truv Dashboard for each product type.
  </Step>

  <Step title="Enable Truv via Integration Self Service">
    Complete the self-service setup in nCino Settings (recommended) using the steps below.
  </Step>

  <Step title="Test in Sandbox">
    Use "Truv Payroll Provider" and "Truv Bank" test login scenarios to ensure the integration is working.
  </Step>

  <Step title="Go Live">
    Enable Truv in production across all regions and branches.
  </Step>
</Steps>

***

## nCino Setup Guide

### Step 1: Navigate to Integration Self Service

In nCino, go to **Settings → Integration Self Service** and click the **+ Add** button in the top right corner.

![nCino Integration Self Service](https://files.readme.io/527ae3cb17252f96a6001179041502e3e25f159ff077e8e4e0bd59813da29a38-Screenshot_2025-08-19_at_6.18.20_PM.png)

### Step 2: Select Integration Type and Vendor

* **API Type:** Verification VoIE
* **Vendor:** Truv

![Select Integration Type and Vendor](https://files.readme.io/adba5d1fb3cbf542807f17c86153695028263a714bb37c15f62de08ce4d10b39-Screenshot_2025-08-19_at_6.18.26_PM.png)

### Step 3: Configure Credentials

Enter the following fields:

* **Username:** Client ID from Truv Dashboard → [API Keys](https://dashboard.truv.com/app/development/keys)
* **Password:** Secret from Truv Dashboard → [API Keys](https://dashboard.truv.com/app/development/keys)
* **Environment:** Select production
* **VOA Template ID:** Template ID from Truv Dashboard → [Templates](https://dashboard.truv.com/app/customization/templates)
* **VOIE Template ID:** Template ID from Truv Dashboard → [Templates](https://dashboard.truv.com/app/customization/templates)

Save and enable the integration.

<div style={{ textAlign: 'center' }}>
  <img src="https://mintcdn.com/truv/C59o32XbzVKCJEu3/images/ncino-setup.png?fit=max&auto=format&n=C59o32XbzVKCJEu3&q=85&s=2f71acd7bb537440f99d6dbbd606c157" alt="Configure Credentials" style={{ width: '70%' }} width="606" height="849" data-path="images/ncino-setup.png" />
</div>

***

## Customization

Truv within nCino can be enabled at multiple levels:

* **Company-wide**: applies to all teams and branches
* **Region level**: scoped to a specific region
* **Branch level**: scoped to specific branches using matching template names
* **Loan Officer level**: scoped to specific loan officers

### Branch-Level Customization

1. In nCino, navigate to **Regions** and create or modify a region
2. Go to **Region Details → Region Info → Branches**
3. Under **Branch Settings → Branch Info → Cost Centers**, input the cost center name and save
4. In the Truv Dashboard, navigate to **Templates** and create a template with a name matching the branch cost center
5. The template's customizations automatically apply to borrowers in that branch

***

## Borrower workflow

![Borrower connects employer in nCino application](https://files.readme.io/87a21be34b14e67c630a944a27e97a587d990cdfecf978633b0247e3f08d9912-Screenshot_2025-06-20_at_6.36.54_PM.png)

**Step 1:** Borrowers enter basic personal, dependent, and residence information.

**Step 2:** Borrowers and co-borrowers are prompted to connect employers with Truv directly in the loan application. No separate navigation required.

![Financial institution connection in Assets and Liabilities section](https://files.readme.io/959078e573852df2d0223d50ed2950e01a7f9753d0720fee0781e5120107b5ba-Screenshot_2025-06-20_at_6.43.31_PM.png)

**Step 3:** Borrowers can connect financial institutions in the **Assets and Liabilities** section of the application.

**Step 4:** Once verifications complete and the application is submitted, lenders navigate to **Loan Application → Documents** tab to access:

![Documents tab in nCino loan application](https://files.readme.io/6cb7fac7d20a88e198f654453b9ca85b7baa06f21a782b54888b169841070ca5-image.png)

* **VOIE PDF report**: includes up to 6 most recent pay stubs and up to 3 years of W-2s per connected employer
* **VOA PDF report**: asset balances and transaction history

***

## Next steps

<CardGroup cols={2}>
  <Card title="POS Integrations" icon="grid-2" href="/mortgage/integration/pos-overview">
    View all POS integration options
  </Card>

  <Card title="Sandbox Testing" icon="flask" href="/developers/testing/test-credentials">
    Test your integration in sandbox
  </Card>
</CardGroup>

***

## Support

<CardGroup cols={2}>
  <Card title="Truv Support" icon="headset" href="mailto:support@truv.com">
    [support@truv.com](mailto:support@truv.com)
  </Card>

  <Card title="nCino Support" icon="life-ring" href="mailto:mortgagehelp@ncino.com">
    [mortgagehelp@ncino.com](mailto:mortgagehelp@ncino.com)
  </Card>
</CardGroup>