TRUSTED INCOME VERIFICATION FOR MORTGAGE AND LENDING PROFESSIONALS

IRS 4506-C Fulfillment & Income Verification Services

When is Form 4506-C required for mortgages?

Many mortgage investors require a signed Form 4506-C for any borrower whose income is used to qualify for a loan. Lenders use this form to obtain IRS tax transcripts and confirm that the income reported on the loan application matches what was filed with the IRS. A 4506-C is often collected at or before closing and is generally valid for only 120 days from the signature date. By working with an authorized IVES participant such as Easy Verification, lenders can help ensure the form is completed correctly and that the right transcripts are retrieved on time.

Eliminate income fraud and mitigate underwriting risk. Use the official IRS Form 4506-C process through our secure IVES-integrated platform for fast, reliable borrower tax transcripts.

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Mortgage Compliance Ready

Our platform adheres to strict IRS IVES guidelines, ensuring full compliance for all your lending and mortgage verification needs.

Rapid Verification Turnaround

Integrated directly with the IVES program for significantly faster processing than traditional methods, delivering critical tax transcripts quickly.

Fortified Data Security

Protecting sensitive applicant tax data is paramount. We employ advanced encryption and strict access controls to meet and exceed federal security standards.

Our Services

Comprehensive IRS 4506-C income verification and transcript fulfillment for mortgage lenders, brokers, and financial institutions across the United States.

IRS 4506-C Fulfillment

Official IRS tax transcripts delivered securely within 2–72 hours through our IVES-integrated system, supporting accurate income verification for mortgage and consumer loans. Choose your speed, method, and volume.

IVES-integrated processing for IRS Form 4506-C
IRS-compliant delivery protocols and audit trails
Encrypted file transfer and secure transcript storage

Transcript Options →

Income Verification for Lenders

Rapid income validation for mortgage lenders, brokers, and underwriters with real-time status visibility across your loan pipeline.

Real-time verification status for active loan files
Document and transcript formats supported
LOS API integration support available for automated workflows

Real Time Status →

Bulk 4506-C Processing & Batch Orders

High-volume IRS 4506-C processing for enterprise lenders with custom reporting, portfolio-level visibility, and dedicated support.

Custom reporting and detailed dashboard for company, branch, producer level portfolios
Volume discounts and optimized pricing for bi-annual batch orders
Dedicated account manager support for high-volume lenders

Enterprise Solution →

API & Integration Services for LOS

Seamless integration support with mortgage origination systems and custom applications using our modern REST API.

Full REST API access for custom and in-house platforms
Multiple integration options
Custom workflow and webhook support for loan events

Request API Information

How Our IRS 4506-C Income Verification Works

Simple 4-step process for fast and reliable 4506-C fulfillment and borrower income verification.

How Easy Verification 4506-C processing works

Step 1: Submit Request

Submit your 4506-C form securely through our IVES-compliant portal or API with all required borrower and loan information.

Submit Request

Step 2: IVES Submission

Your request with Form is immediately scanned, validated, optimized and submitted to the IRS through the IVES secure platform for processing.

IVES Submission

Step 3: IRS Processing

The IRS retrieves official tax transcripts from their secure database and transmits them back to us using a secured IRS Transcript delivery system.

IRS Processing

Step 4: Secure Delivery

The documents are delivered to you via restricted access web portal and / or integrated system access, completing your income verification workflow.

Secure Delivery

Solutions for Mortgage Lenders, Brokers, Agencies, and Individuals

Tailored IRS 4506-C income verification services designed for your specific industry, loan products, and compliance needs.

For Mortgage Lenders

Integration option with your LOS (Loan Origination System) to accelerate income verification, underwriting, and closing across your mortgage pipeline.

2–72-hour transcript turnaround with expedited options for rush loan files
Direct LOS integration (leading mortgage systems)
Bulk ordering and management support for large loan portfolios

For Brokers & Agents

Self-service portal to order tax transcripts on-demand and track status in real time for your borrowers and loan applications, from anywhere.

Easy-to-use web interface for income verification
Real-time status tracking and notifications on each loan file
Comprehensive audit trail for broker and lender compliance

For Government Agencies

Compliance-ready operations with full audit trails, SOC 2, and detailed reporting for income verification and program eligibility checks.

SOC 2 Type II & IRS IVES certified operations
Audit trail reporting for regulatory and oversight bodies
Secure high-volume bulk processing of IRS transcripts

For Individuals

Authorize your own tax transcripts quickly and securely with robust authentication and encrypted delivery for your lender or financial institution.

Simple 3-step ordering process for personal directed requests
Multi-factor authentication ID.me and IRS Account for account and document security
Encrypted email delivery direct to your lender in near real time.

For robust income verification, U.S. mortgage lenders rely on the IRS Form 4506-C, the foundation of the IVES (Income Verification Express Service) Program. This program empowers trusted third-party verification companies, like Easy Verification, to securely obtain official tax transcripts directly from the IRS.

Leveraging this official channel ensures unparalleled data integrity and regulatory compliance, critical for mitigating risk in nationwide lending decisions. We digitally streamline the entire process:

Secure Applicant Authorization: Digital signing of Form 4506-C through lender.
Instant scan pre-flight QC: Rapid response communication
Direct IRS Submission: Seamless submission via the IVES system.
Rapid Transcript Retrieval: Fast delivery of official IRS Tax Transcripts in a secure format, directly to your team.

For detailed information on Form 4506-C or the IVES program, please refer to the official IRS Form 4506-C page on IRS.gov

Fast Processing

24–72 hour standard turnaround, with borrower driven 4-hour rush processing options available for time-sensitive loan decisions.

Bank-Level Security

TLS 1.2/1.3, AES-256 data protection, and SOC 2 Type II audited infrastructure hosted on leading cloud providers.

IRS IVES Certified

Official IRS partner for electronic transcript retrieval, ensuring compliance and reliability for regulated income verification.

Mobile & API Access

Access via the responsive web portal, mobile friendly, or seamless REST API integration to fit your lending technology stack.

24/7 Support

Dedicated support team available around the clock via phone, email, and chat to assist your lending and operations staff.

Enterprise Solutions

Custom workflows, volume discounts, and detailed reporting tailored for large organizations and enterprise lending operations.

The Preferred Verification Solution for Mortgage Lenders

Easy Verification is built from the ground up to meet the stringent demands of the mortgage and lending industries. Our unwavering commitment to official IRS protocols ensures you receive only the most accurate and compliant income data.

Compliance Guaranteed • Trusted by Lenders

Empower Your Lending Decisions Today

Integrate fast, compliant IRS 4506-C income verification into your lending workflow with nationwide coverage across the United States. Our streamlined 4506-C process is designed for your team’s success.

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Frequently asked questions

The 4506-C is an IRS form used to authorize an approved third party (like Easy Verification) to request official tax transcripts directly from the IRS. Lenders and financial institutions use these transcripts to verify income, tax filing status, and other financial data during underwriting and compliance checks for loans and other financial products.

Our standard turnaround time is typically 24–48 hours from the time of submission. We also offer rush processing options for mission-critical requests, subject to IRS processing windows and IVES availability.

Transcripts are delivered securely to Easy Verification web portal. For integrated clients, the documents are returned directly to your LOS or custom platform via API. All deliveries include an audit trail for compliance and recordkeeping.

Yes. We offer robust REST API access, comprehensive integration support, and can assist with custom configuration for all major mortgage origination systems and workflow tools. Our income verification services are designed to fit into your existing lending technology stack.

Absolutely. We specialize in bulk processing and batch orders for enterprise clients, offering custom reporting, volume-based discounts, and dedicated account management for high-volume needs. Our bulk 4506-C processing is ideal for large mortgage portfolios and secondary market activities.

Yes. Our IRS 4506-C income verification services are available to approved lenders, brokers, and financial institutions across all 50 U.S. states, subject to IRS IVES participation and applicable regulations. We support nationwide lending operations, including remote and distributed teams.

Our platform is designed for mortgage lenders, brokers, correspondent lenders, government agencies, and in some cases individual borrowers who need official IRS tax transcripts for income verification or compliance. Visit the Our Services section above to see how we support each customer type.

Ready to get started?

Order your transcripts now or schedule a demo to see our streamlined workflow in action.

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