On the recordRead 5 Oct 202613 facts

Truework

What it is

Truework automates income and employment verification for mortgage lenders using payroll, tax, bank, and employer data. It handles requests through Instant Network, Credentials, and Smart Outreach methods, routing each toward an option it expects to complete quickly based on the customer’s plan and configuration. Truework says it can verify over 97% of U.S. workers and describes its reports as unified and GSE-ready. Teams can use its web app without integrating another system, or connect through a REST API. Listed LOS connections include Encompass and Empower; POS integrations include Blend and nCino. Truework says requests require evidence of consumer consent and verification data is handled under the FCRA. Its stated safeguards include encryption at rest and in transit, TLS 1.2 or greater, and tokenization. Per-request prices include $19.95, paid once for VOE reverification, $59.95, paid once for Standard VOE, and $64.95, paid once for Standard VOI. Verifiers are charged for completed requests; volume-based discounts are available through Sales.

For and against

For

Supports both income and employment verification.
Offers a web app and REST API access.
Lists LOS and POS integrations.
Requests require evidence of consumer consent.
Team features include user management and monthly corporate billing.

Against

Verifiers are charged for completed requests.
Listed verification prices are per request.
Volume-based discounts require contacting Sales.

The verdict

Truework offers mortgage lenders multiple verification methods, integrations, and web or API access. Pricing is charged for completed requests, with listed per-check rates and volume discounts available through Sales.

Who it suits

It is designed for mortgage lenders that need income or employment verification and for teams accessing verification through a web app or API. The listed integrations may suit lenders using Encompass, Empower, Blend, or nCino.

Plans and prices

VOE reverification

$19.95usage-based

Only employment (VOE) reverifications

Read 5 Oct 2026 · help.truework.com

Standard VOE

$59.95usage-based

Flat rate · employment verification

Read 5 Oct 2026 · help.truework.com

Standard VOI

$64.95usage-based

Flat rate · income verification

Read 5 Oct 2026 · help.truework.com

Every plan, in full

On the record

Access: Teams can use Truework through a web app without integrating it into another system.truework.com · read 5 Oct 2026
Coverage: Truework says its platform can verify over 97% of U.S. workers.truework.com · read 5 Oct 2026
Data protection: Truework says it uses encryption at rest and in transit, including TLS 1.2 or greater, and tokenization to protect sensitive data.truework.com · read 5 Oct 2026
FCRA and consent: Truework says verification data is handled under the FCRA and requests require evidence of consumer consent.truework.com · read 5 Oct 2026
Integrations: It offers LOS connections including Encompass and Empower, POS integrations including Blend and nCino, and a REST API.truework.com · read 5 Oct 2026
Orchestration: The platform routes requests to methods it expects to complete the verification quickly based on the customer’s plan and configuration.help.truework.com · read 5 Oct 2026
Pricing conditions: The pricing page says volume-based discounts are available through Sales, and verifiers are charged for completed verification requests.help.truework.com · read 5 Oct 2026
Purpose: Truework automates income and employment verification for mortgage lenders using payroll, tax, bank, and employer data sources.truework.com · read 5 Oct 2026
Reports: Truework describes its reports as unified and GSE-ready.truework.com · read 5 Oct 2026
Security: Truework’s trust center lists SOC 2 Type II, ISO 27001, NIST CSF, and FCRA badges.trustportal.truework.com · read 5 Oct 2026
Support: Truework lists support at [email protected] and 1-833-878-3967, and says its account dashboard connects users to live chat support.truework.com · read 5 Oct 2026
Team features: Truework Teams includes monthly corporate billing, team user management, and is free for Truework users.help.truework.com · read 5 Oct 2026
Verification methods: It completes verifications using its Instant Network, Credentials, and Smart Outreach methods.help.truework.com · read 5 Oct 2026

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