Truework website screenshot

Truework

Truework operates a unified income and employment verification platform for mortgage lenders, credit unions, and fintechs. The Truework API orchestrates six verification methods — Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials, Smart Outreach, and Document Upload — behind a single REST surface (api.truework.com), asynchronous webhooks, and the Truework.js / Truework Direct widget for consumer-permissioned verifications. The platform claims coverage of more than 97% of U.S. workers and 75% completion rates versus a ~48% industry average. Core resources are Orders, Verification Requests, Reports, and Order Events, with beta surfaces for Qualification Checks and Tenant Properties.

5 APIs 18 Features
VerificationsIncome VerificationEmployment VerificationVOIEMortgageLendingCredit UnionsIdentityKYCFintech

APIs

Truework Verifications API

Truework Verifications API for orders, reports, and order events. Submit a verification of income and employment (VOIE) order against a known target employer, run a synchronous ...

Truework Qualifications API (Beta)

Public beta surface for running qualification checks against a borrower's verified employment and income data. Create a qualification check, retrieve a check result, and list th...

Truework Tenant Properties API (Beta)

Public beta surface for programmatically managing tenant-scoped configuration properties on Truework. Create, list, retrieve, and update tenant properties that govern verificati...

Truework Webhooks

Truework emits two webhook event types — `order.completed` when every verification on an order is finished, and `verification_request.state.change` as individual verifications t...

Truework.js (Truework Direct)

Truework.js is the client-side JavaScript library that powers Truework Direct, the borrower-driven (consumer-permissioned) verification flow. The host page loads `https://js.tru...

Collections

Pricing Plans

Truework Plans Pricing

3 plans

PLANS

Rate Limits

Truework Rate Limits

3 limits

RATE LIMITS

FinOps

Features

Six verification methods orchestrated automatically — Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials, Smart Outreach, Document Upload
Coverage of over 97% of U.S. workers from a single platform
Truework Direct (Truework.js) borrower-driven verification widget loaded from https://js.truework.com/v1
Dated API versioning (current 2023-10-30) with per-key version pinning via the Accept header
Bearer-token API keys, prefixed tw_sk_ (production) and tw_sk_test_ (sandbox)
Publishable keys (tw_pk_, tw_pk_test_) for client-side Truework.js
Sandbox environment at https://api.truework-sandbox.com with deterministic test SSN fixtures
Webhook delivery with 48-hour retry and X-Truework-Token header authentication
Up to 10 webhook destinations per account
10 req/s per source IP and 10 req/s per account rate envelope, with 429 on overage
Order lifecycle states pending-approval, processing, action-required, completed, canceled, invalid
Asynchronous target-employer orders plus synchronous employer-search orders
Reverification endpoint POST /orders/reverification for refreshing prior reports
Beta Qualification Checks for low-latency knockout decisioning on verified income/employment
Beta Tenant Properties for tenant-scoped verification configuration
GSE-ready unified reporting (Day 1 Certainty, AIM, GUS) for mortgage lenders
LOS integrations (Encompass, Empower) and POS integrations (Blend, nCino)
Public OpenAPI specs published from truework.docs.buildwithfern.com

Semantic Vocabularies

Truework Context

0 classes · 8 properties

JSON-LD

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Sources

Raw ↑
opencollection: 1.0.0
info:
  name: Truework Webhooks
  version: Sun Oct 29 2023 20:00:00 GMT-0400 (Eastern Daylight Time)
items: []
bundled: true