Earnings and periods
Review available earnings information with its reporting period and source context. Distinguish the facts returned by the source from figures stated in the application.
Income verification for lending teams
Income verification.
See the earnings behind it.
Review reported income alongside the records that support it. Connect the earnings period, employment context, and tax evidence your borrower file needs.
Earnings recordSOURCE RECORD
Earnings in context
$8,420 / moIllustrative monthly earnings
- Source period
- January – August 2026
- Employer context
- Employment record
- Tax evidence
- Requested separately
A number with contextEarnings · Period · Source
The record behind the result
Income is a figure.
The record gives it meaning.
A stated monthly income does not answer every question a reviewer has. Your team also needs to understand the period it represents, where the earnings came from, and which records support the application. Fintegral brings income-related verification into the same borrower-authorized experience.
Build the request around the borrower’s situation. An employee’s earnings records, a self-employed borrower’s tax history, and Social Security benefit income records serve different purposes. Choose the sources and periods your institution requires, then keep the returned evidence close to the figures under review.
Employment alongside income
Bring employer and employment evidence into the review when the workflow calls for it. Income and employment are related questions with distinct records and product scopes.
Tax evidence where it matters
Use authorized IRS tax transcripts to support the income review your loan file requires. Choose the transcript types and tax years that fit the borrower’s circumstances.
Details that matter
Start with the borrower’s
income picture.
Keep the request, the returned facts, and your team’s assessment connected.
Review the integration guide- 01
W-2 earnings
Define the earnings and employment records needed for the review.
- 02
Self-employment
Confirm the relevant transcript types, taxpayers, and tax years.
- 03
Period and source
Keep reporting dates and the source of each figure visible.
- 04
Reviewer context
Resolve differences and apply your institution’s income assessment policies.
A connected workflow
A clear path.
From request to review.
- 01
Scope the income evidence
Identify the earnings, employment, or tax records required for this application.
- 02
Collect the appropriate permission
Use the authorization requirements specific to each requested source.
- 03
Review the result in context
Compare the returned records with the borrower’s stated information and retain the evidence.
Your institution sets its policies and makes the lending decision. Product scope, source availability, and authorization requirements apply.
A closer look
Income verification.
Your questions, answered.
Useful details for planning the request and reviewing the records.
Talk through your requirementsWhich income records should we request?
That depends on the borrower and your lending policy. Employment-related earnings and IRS tax transcripts answer different questions. Share the income sources, periods, and records your team needs so we can confirm the relevant verification scope.
Can Fintegral support self-employment income review?
IRS transcript options can provide tax records relevant to a self-employed borrower’s file. The published $14.99 bundle covers W-2 plus self-employment for two years on the same borrower. Confirm the transcript types and applicable terms with our team.
Does income verification decide how much someone can borrow?
Your lending team makes that assessment. Fintegral provides verification results and supporting records; your institution applies its policies, evaluates the application, and makes the lending decision.
How does income verification connect with employment verification?
An income request focuses on earnings evidence. An employment verification focuses on work-related facts such as employer and status. The products have distinct result scopes, which the integration guide explains.
Make the next request a clearer one.
Bring your records, sources, and workflow requirements. We’ll help you define the verification that fits.