Income and employment
Review earnings evidence and work-related records within their distinct scopes. Keep reporting periods and verification dates visible to the people reviewing the application.
Verification for loan underwriting
Loan underwriting.
A clearer borrower file.
Bring the facts behind the application into one connected workflow. Give your lending team the records it needs to review income, work, assets, and tax history.
Built around the people behind the filePermission. Evidence. A clear next step.
The record behind the result
Build the evidence around
the question in the file.
Every loan review starts with questions about the application. What does the borrower earn? Where do they work? Which funds are available? What do the relevant tax records show? The right verification request makes those questions specific before your team starts collecting records.
Fintegral brings borrower authorization, verification requests, and returned evidence into a connected experience. Your institution selects the products and sources it needs, reviews the available facts in context, and keeps control of its underwriting standards and decision.
Assets and available funds
Bring balances, account ownership, and available supporting activity into the file. Use the records in your institution’s review of funds, reserves, and closing needs.
Tax records for the income review
Choose relevant IRS transcript types and tax years for the borrower. Keep source tax evidence alongside the income information under review.
Details that matter
A connected workflow.
Your team’s judgment.
Keep the request, the returned facts, and your team’s assessment connected.
Review the integration guide- 01
Start with the file
Identify the facts the reviewer needs to establish.
- 02
Match the product
Select the verification and supporting records that answer the question.
- 03
Preserve the context
Bring authorization, source, timing, and returned facts together.
- 04
Review and follow up
Apply your policy, resolve gaps, and record the lending assessment.
A connected workflow
A clear path.
From request to review.
- 01
Scope the borrower file
Choose the income, employment, asset, and tax evidence needed for this review.
- 02
Request with authorization
Guide the borrower through the permission and source steps for the selected products.
- 03
Review the returned records
Move the results into your lending workflow, resolve questions, 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
Loan underwriting.
Your questions, answered.
Useful details for planning the request and reviewing the records.
Talk through your requirementsDoes Fintegral make an underwriting decision?
Your institution makes the lending decision. Fintegral provides verification results and supporting records so your reviewers can apply your underwriting policy to the borrower file.
Can we start with a single verification?
Start with the records your workflow needs. Our team can confirm the product, supported sources, authorization requirements, pricing, and integration approach for that use case.
How should we handle salaried and self-employed borrowers?
The required evidence can differ. Define the earnings, employment, and tax records your team needs for each situation. The IRS transcript page explains the published two-year and W-2 plus self-employment options.
What should developers review before integration?
Read the integration guide for authentication, borrower consent, orders, result delivery, reports, and error handling. Partner access and product scope are confirmed during review.
Make the next request a clearer one.
Bring your records, sources, and workflow requirements. We’ll help you define the verification that fits.