Verification of Employment /

Income (VOE / VOI)

Transform the most time-consuming part of mortgage processing with automated connections to employment and income data sources.

Automated VOE/VOI for Faster, More Accurate Decisions

Employment and income verification doesn’t have to be a bottleneck. SettlementOne’s automated VOE/VOI solutions connect directly to payroll providers, employers, and income sources to deliver instant verification for the majority of your borrowers. No more phone tag, no more waiting for callbacks, and no more chasing paystubs.

Our intelligent platform leverages multiple verification sources through a single interface, automatically routing each request to the optimal provider. Whether accessing The Work Number’s vast database, connecting through modern APIs like Truv, or utilizing Experian’s verification network, we find and deliver the employment data you need in seconds rather than days.

Key Features

Multi-Source Integration: Access The Work Number, Truv, Experian Verify, and more through one platform
Intelligent Routing: Automatic source selection for highest success rates
Rapid Results: Most verifications completed quickly
Comprehensive Data: Employment status, income, position, and tenure information
Fraud Detection: Built-in alerts for suspicious patterns or discrepancies

How It Works

Simply submit a VOE/VOI request through your LOS or our platform with basic borrower information. Our cascade technology immediately queries the most likely source of successful verification, starting with databases covering the borrower’s employer. If the first source doesn’t have data, the system automatically routes to alternatives. Most requests complete instantly, with comprehensive employment and income data flowing directly into your loan file.

Use Cases

Traditional W-2 Employees:

Instant verification for borrowers employed by companies using major payroll providers, covering much of the U.S. workforce.

Multiple Job Holders:

Efficiently verify all income sources for borrowers with multiple employers, reducing processing time dramatically.

Recent Job Changes:

Access historical employment data to establish two-year work history requirements even with recent employer changes.

Why SettlementOne

Our VOE/VOI solution stands apart through intelligent automation and comprehensive coverage. Rather than forcing you to manage multiple verification vendors, we provide a single integration that accesses all major sources. Our cascade logic ensures the highest possible success rates, while our fallback to manual verification means you’re never stuck. This combination of automation and flexibility delivers unmatched efficiency.

Keep Every Loan Moving Forward

SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.

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