--- title: Utilizing Bank-Derived Income Insights in Encompass description: How can I populate income fields if the borrower’s payroll provider isn't supported? --- [Skip to content](https://help.truv.com/utilizing-bank-derived-income-insights-in-encompass#main-content) [![logo-truv-4](https://help.truv.com/hubfs/logo-truv-4.svg)](https://help.truv.com/?hsLang=en) Open main navigation Close main navigation How can we help? - There are no suggestions because the search field is empty. 1. [Truv Help Center](https://help.truv.com/?hsLang=en) 2. [Home Lending](https://help.truv.com/home-lending?hsLang=en) 3. [Encompass Integration](https://help.truv.com/home-lending?hsLang=en#encompass-integration) # Utilizing Bank-Derived Income Insights in Encompass ## How can I populate income fields if the borrower’s payroll provider isn't supported? If you have a completed **Verification of Assets (VOA)** but are unable to complete a traditional payroll-based verification (VOIE), you can still validate and "patch" income data into your Encompass loan file. Using **Truv Income Insights**, the system audits the borrower’s bank transaction history to derive employer names, start dates, and average monthly gross income. You can then write this derived data directly to the Encompass loan fields with a single click. --- ### **How to Patch Derived Income** When a VOA is completed but a VOIE is missing, a new tab will appear in your **Update Loan Data** pop-up. 1. **Open the Update Loan Data Pop-up:** In the Truv Encompass integration, click the button to update loan data. 2. **View "Bank Income":** Select the new tab for income insights derived from bank transactions. 3. **Automatic Matching:** The system performs a non-case-sensitive partial match against existing employers in the loan file. - **If a match is found:** The derived data (like average monthly income) will override the existing fields. - **If no match is found:** Truv will create a **new employment entry** in the 1003 Employment section. 4. **Confirm and Write:** Review the data and select "Write to Encompass." - [Getting Started](https://help.truv.com/getting-started?hsLang=en#main-content) - [Intro to Truv](https://help.truv.com/getting-started?hsLang=en#intro-to-truv) - [Account Setup](https://help.truv.com/getting-started?hsLang=en#account-setup) - [Platform Overview](https://help.truv.com/getting-started?hsLang=en#platform-overview) - [Dashboard Essentials](https://help.truv.com/getting-started?hsLang=en#dashboard-essentials) - [Security and Compliance](https://help.truv.com/security-and-compliance?hsLang=en#main-content) - [Data Security](https://help.truv.com/security-and-compliance?hsLang=en#data-security) - [Regulatory Compliance](https://help.truv.com/security-and-compliance?hsLang=en#regulatory-compliance) - [User Consent Management](https://help.truv.com/security-and-compliance?hsLang=en#user-consent-management) - [Customer Support for Security](https://help.truv.com/security-and-compliance?hsLang=en#customer-support-for-security) - [Incident Response](https://help.truv.com/security-and-compliance?hsLang=en#incident-response) - [Certifications & Audits](https://help.truv.com/security-and-compliance?hsLang=en#certifications-audits) - [Troubleshooting](https://help.truv.com/troubleshooting?hsLang=en#main-content) - [API Troubleshooting (High-Level)](https://help.truv.com/troubleshooting?hsLang=en#api-troubleshooting-high-level) - [Data Connections](https://help.truv.com/troubleshooting?hsLang=en#data-connections) - [Integration Issues](https://help.truv.com/troubleshooting?hsLang=en#integration-issues) - [Contacting Support](https://help.truv.com/troubleshooting?hsLang=en#contacting-support) - [Resources for Self-help](https://help.truv.com/troubleshooting?hsLang=en#resources-for-self-help) - [Account Management](https://help.truv.com/troubleshooting?hsLang=en#account-management) - [Home Lending](https://help.truv.com/home-lending?hsLang=en#main-content) - [FAQs](https://help.truv.com/home-lending?hsLang=en#faqs) - [Orders](https://help.truv.com/home-lending?hsLang=en#orders) - [Encompass Integration](https://help.truv.com/home-lending?hsLang=en#encompass-integration) - [Blend Integration](https://help.truv.com/home-lending?hsLang=en#blend-integration) - [nCino Integration](https://help.truv.com/home-lending?hsLang=en#ncino-integration) - [BlueSage Integration](https://help.truv.com/home-lending?hsLang=en#bluesage-integration) - [Lodasoft Integration](https://help.truv.com/home-lending?hsLang=en#lodasoft-integration) - [Tidalwave Integration](https://help.truv.com/home-lending?hsLang=en#tidalwave-integration) - [Vesta Integration](https://help.truv.com/home-lending?hsLang=en#vesta-integration) - [Byte Integration](https://help.truv.com/home-lending?hsLang=en#byte-integration) - [LenderLogix Integration](https://help.truv.com/home-lending?hsLang=en#lenderlogix-integration) - [Advanced Dashboard Tips](https://help.truv.com/home-lending?hsLang=en#advanced-dashboard-tips) - [Custom Integrations](https://help.truv.com/home-lending?hsLang=en#custom-integrations) - [Public Sector](https://help.truv.com/public-sector?hsLang=en#main-content) - [FAQs](https://help.truv.com/public-sector?hsLang=en#faqs) - [Orders](https://help.truv.com/public-sector?hsLang=en#orders) - [Clients](https://help.truv.com/public-sector?hsLang=en#clients) - [Case Workers](https://help.truv.com/public-sector?hsLang=en#case-workers) - [Background Screening](https://help.truv.com/background-screening?hsLang=en#main-content) - [FAQs](https://help.truv.com/background-screening?hsLang=en#faqs) - [Integrations](https://help.truv.com/background-screening?hsLang=en#integrations) - [Tazworks](https://help.truv.com/background-screening?hsLang=en#tazworks) - [Other Use-Cases](https://help.truv.com/other-use-cases?hsLang=en#main-content) - [Truv SmartRouting](https://help.truv.com/other-use-cases?hsLang=en#truv-smartrouting) - [Truv ChoiceConnect](https://help.truv.com/other-use-cases?hsLang=en#truv-choiceconnect) - [Truv Paycheck Pay](https://help.truv.com/other-use-cases?hsLang=en#truv-paycheck-pay) - [Truv Scoring Attributes](https://help.truv.com/other-use-cases?hsLang=en#truv-scoring-attributes) - [Truv Direct Deposit Switch](https://help.truv.com/other-use-cases?hsLang=en#truv-direct-deposit-switch) - [Bank Income](https://help.truv.com/other-use-cases?hsLang=en#bank-income) - [Account Management](https://help.truv.com/account-management?hsLang=en#main-content) - [Team and Account Settings](https://help.truv.com/account-management?hsLang=en#team-and-account-settings) [![Chill listening crop-3](https://help.truv.com/hubfs/logo-truv-bl.svg "Chill listening crop-3")](https://truv.com/) Truv Help Center Copyright © 2026, Truv Inc.