Assets for Mortgage

Verification of Assets (VOA) provides instant access to borrower bank account balances, ownership verification, and transaction history directly from financial institutions. Data is returned in GSE-compatible formats for Fannie Mae and Freddie Mac workflows.

Benefits

GSE Compatible

Reports in Fannie Mae and Freddie Mac formats

Major Institutions

Chase, Bank of America, Wells Fargo, and thousands more

Instant Verification

Real-time account balances and transaction history

Up to 2 Years

30-730 days of transaction history, configurable per request

What you get

Account Information

Account type (checking, savings, money market, CD, investment)
Verified account holder name and ownership
Current and available balances
Routing number and masked account number

Transaction History

Up to 2 years of transaction history (30-730 days via days_requested)
Date, description, amount, and type (DEBIT/CREDIT/MEMO)
Direct deposit identification
Large deposit threshold flagging at the report level

Summary & Analytics

30/60/90-day average balances
Balance history over time
Currency and account metadata

Documents

Bank statements (PDF)
Account verification letter
GSE-formatted PDF report

Data coverage

Financial Institutions

Truv connects to major banks and credit unions:

Institution Type	Examples
National banks	Chase, Bank of America, Wells Fargo, Citi
Regional banks	PNC, US Bank, TD Bank
Credit unions	Navy Federal, State Employees CU
Online banks	Ally, Marcus, Discover
Investment	Fidelity, Charles Schwab, Vanguard

Further explore: Financial Accounts Coverage

How to implement

Choose your integration path based on your tech stack:

Path	Code Required	Best For
LOS/POS Integration	None	Encompass, nCino, Floify, BeSmartee users
Truv Dashboard	None	Manual orders, pilot testing
Custom Integration	Custom	Full API control, custom borrower portal

For custom integrations, see the POS Application guide for the borrower-facing flow or the LOS guide for loan-officer-initiated verification.

Report structure

When you retrieve VOA data via the API, the response follows the VOA Report schema. Reports are structured with links containing accounts, each with balances and transactions.

Field	Path	Example
Account type	`links[].accounts[].type`	`CHECKING`, `SAVINGS`
Masked number	`links[].accounts[].mask`	`"1234"`
Account holder	`links[].accounts[].owners[].full_name`	`"John Smith"`
Current balance	`links[].accounts[].balances.current`	`"15420.50"`
Available balance	`links[].accounts[].balances.available`	`"15000.00"`
Direct deposit	`links[].accounts[].transactions[].is_direct_deposit`	`true`
30-day avg balance	`summary.avg_30`	`"14500.00"`
Deposit threshold	`large_deposit_threshold`	`"1000.00"`

View full response example

{
  "report_id": "a1b2c3d4e5f6a1b2c3d4e5f6a1b2c3d4",
  "created_at": "2024-01-15T10:30:00Z",
  "days_requested": 60,
  "large_deposit_threshold": "1000.00",
  "links": [
    {
      "link_id": "150491a20bdb4292bb2a2ad8554fecba",
      "provider": "chase",
      "provider_name": "Chase",
      "accounts": [
        {
          "id": "4d601895417c46ec99633978db12a866",
          "type": "CHECKING",
          "mask": "1234",
          "owners": [
            {
              "full_name": "John Smith"
            }
          ],
          "balances": {
            "balance": "15420.50",
            "available_balance": "15000.00"
          },
          "transactions": [
            {
              "id": "tx_abc123",
              "transacted_at": "2024-01-15T00:00:00Z",
              "description": "DIRECT DEPOSIT - ACME CORP",
              "amount": "4250.00",
              "type": "CREDIT",
              "is_direct_deposit": true
            }
          ]
        }
      ]
    }
  ],
  "summary": {
    "avg_30": "14500.00",
    "avg_60": "13800.00",
    "avg_90": "13200.00",
    "balance": "15420.50",
    "currency_code": "USD"
  }
}

Large deposit threshold is set at the report level via the large_deposit_threshold field when creating the VOA report request. Transactions exceeding this threshold are identified for underwriting review. The is_direct_deposit field on transactions helps distinguish payroll deposits from other large transfers.

API reference

Orders

Create and manage verification orders

Assets Report

Retrieve asset verification data

Accounts

Financial account details

Bridge Token

Create tokens for Truv Bridge

Best practices

Combine income and assets in one order

For purchase loans, request both income and assets products in a single order. The borrower completes both verifications in one Bridge session, improving completion rates.

Handle multiple financial institutions

Borrowers may have accounts at multiple banks. Each institution creates a separate connection (link). Process each connection’s data as it completes via webhooks rather than waiting for all to finish.

Review large deposits for underwriting

The VOA report flags the large_deposit_threshold at the report level. Review transactions with is_direct_deposit: false that exceed this threshold. These typically require additional documentation for underwriting.

Next steps

POS Application

Embed verification in a borrower-facing portal

GSE Testing

Validate Fannie Mae and Freddie Mac compliance

Sample Reports

View example VOA report output

Testing

Test with sample borrower data

​Benefits

GSE Compatible

Major Institutions

Instant Verification

Up to 2 Years

​What you get

Account Information

Transaction History

Summary & Analytics

Documents

​Data coverage

​Financial Institutions

​How to implement

​Report structure

​API reference

Orders

Assets Report

Accounts

Bridge Token

​Best practices

​Next steps

POS Application

GSE Testing

Sample Reports

Testing

Benefits

What you get

Data coverage

Financial Institutions

How to implement

Report structure

API reference

Best practices

Next steps