Truv and Xactus will enable mortgage lenders to verify income and employment data for over 85% of working Americans, thus further automating the mortgage approval process.

Truv announced that it partnered with  Xactus SM  to further enhance Xactus’ verification capabilities. This partnership will continue to accelerate Truv’s mission of enabling a more equitable financial
ecosystem through its API connections to payroll accounts.

Mortgage lenders need access to income and employment data to assess risk for applicants, however, collecting this data can be time-consuming and extremely expensive. Through this partnership, Xactus’ current verification capabilities will be augmented with Truv’s consumer- permissioned data approach to income and employment data. Doing so will allow mortgage lenders to verify income and employment for more than 146 million U.S. employees covering over 85% of the U.S. workforce.

Focused on improving the mortgage process, Truv has built 12,800+ unique integrations to payroll providers and employers, gaining access to more than 100 fields of income and employment data for over 85% of the U.S. workforce. Today, Truv partners with mortgage lenders to quickly and easily verify income, employment, and identity data for applicants which meets consumers’ expectations of a streamlined approval process.

“Truv couldn’t be more excited to partner with Xactus to empower thousands of mortgage lenders with access to consumer-permissioned income and employment data,” said Truv’s Co-Founder and CEO Kirill Klokov. “We’re confident that this partnership will enable mortgage lenders partnered with Xactus to speed up the mortgage approval process while decreasing costs relative to current verification methods.”

“On Xactus’ quest to advance the modern mortgage, we are looking for like-minded, progressive partners and found that in Truv. Our relationship with Truv has further enriched our verification solution through its direct connections to payroll providers via APIs which create greater efficiencies and reduce risk of fraud,” said Michael Crockett, Chief Data Officer at Xactus. “We look forward to seeing strong results for our mortgage lenders as they implement Truv into their existing workflows to verify more of their applicants.”

About Truv
Truv (, formerly known as Citadel API, unlocks the power of consumer-permissioned data to empower organizations to make confident decisions. Truv provides the safest and most reliable
API connections to payroll accounts to enable income & employment verification for lenders while consumers benefit from quicker approvals and a better overall experience. Truv’s consumer permissioned instant verification covers over 146 million U.S. employees. Combined with its document upload product and other partnerships, Truv covers 85+ percent of the U.S. workforce.
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About Xactus
Xactus SM  is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. With 12 operation centers across the U.S., Xactus collaborates closely with its clients to digitally integrate a 360° approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability.

“Xactus” is a servicemark of Xactus, LLC.

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