Built for mortgage lenders
Government-source verification for confident lending decisions.
IRS transcripts in hours. SSA verification in minutes.
Retrieve IRS tax transcripts and cross reference stated income with what was reported to the IRS. Confirm Name, Social Security Number and Date of Birth with the Social Security Administration — through one secure verification partner.
Place the order
Start with the borrower file you already have.
Queued for IRS submission
IRS retrieval
Tracked from submission through delivery.
Status updates post to the order record, so your team can see where a file stands without calling for it.
1040 Return Transcript
Adjusted Gross Income, straight from the IRS transcript.
Three years of filed AGI show direction as well as amount — useful when income is uneven or self-employment is in the file.
Wage & Income Transcript
See all IRS data reported under the SSN.
A second income stream the application did not list still appears here, because the payer reported it to the IRS.
What it means for the file
Stated income, measured against the IRS transcript.
Had the numbers diverged, the same transcript would have shown it before the file moved forward.
Confirm the borrower's identity
Does the borrower's information match SSA records?
Ordered alongside the transcripts, so income and identity are confirmed on the same file at the same time.
On the record
An SSA Validation Certificate for the loan file.
SSA Validation Certificate
Consent Based SSN Verification
Delivered as a PDF to your customer center, ready to store with the file for QC and audit review.
Core verification services
The records lenders need. The workflow teams want.
Obtain IRS tax transcripts quickly, securely, and with less manual effort. Verified tax data gives lenders an authoritative source for confirming income and evaluating a borrower's ability to qualify for a mortgage.
Compare what was stated against what was reported to the Internal Revenue Service
Cross-reference IRS-reported income with the information provided on the loan application to identify discrepancies before they become costly problems. Differences in wages, business income, reported employers, or other tax information can provide important warning signs that deserve a closer look.
Independent verification matters
more than ever
With increasingly sophisticated AI tools making it easier to create or alter financial documents, independent verification is more important than ever. Tax transcripts obtained directly from the government provide reliable data that does not depend solely on documents supplied by the applicant.
Decisions built on trusted information
IRSTaxRecords.com helps lending teams obtain the records they need quickly and efficiently, so they can verify income, identify inconsistencies, reduce fraud exposure, and make lending decisions based on trusted government-source information.
IRS Form 4506-C
Income verification by obtaining IRS transcript data. Obtain IRS 1040, W-2, Record of Account and Corporate 1120 & 1065 directly from the IRS. Turnaround time with Form 4506-C is 48 hours. We obtain transcripts when others fail.
Learn more
Expedited Form 8821
Secure online ordering — IRS transcripts delivered within hours of request. Last minute transcript conditions? We have you covered with 8821 expedited service. OrderPAD drag and drop ordering. No typing required.
Learn more
SSA SSN Verification
Confirm whether submitted Name, DOB and SSN information matches Social Security Administration records. Receive a Match or No Match Certificate in minutes.
Learn moreDrag and drop ordering with no typing
OrderPAD turns repetitive entry into a bulk workflow.
OrderPAD reads completed authorizations, validates the requests, creates the orders and moves them into processing — you instantly receive an order number to track real-time status, and transcripts to follow.
- No typing — drop the signed forms and the order builds itself
- Requests are validated before they enter the processing queue
- Create hundreds of orders in a single pass
- Track IRS status and completed transcript delivery
Product coverage
Transcript coverage for real mortgage files.
Start with the underwriting question. Then choose the government record that provides the answer.
Transcript Types
Personal: 1040 · W-2 / 1099 · Record of Account
Business: 1065 · 1120 · 1120-S
Bulk Verification
Process high-volume requests without typing, using our proprietary ordering system.
Learn more
API & Integrations
Connect ordering and status checks to the systems you already use, or build a custom integration that posts data straight to your database.
Learn moreSecurity
Audited by the agencies whose data we handle.
Most vendors describe their controls. Ours are examined on site by the IRS, the Department of the Treasury and the Social Security Administration — on a published schedule, with a pass or fail result.
Why government-source records matter
Cross-check documents against information reported to federal agencies.
Borrower-provided documents can be incomplete, inconsistent or altered. IRS transcripts give lending teams a government-source record to compare with documentation in the loan file. SSA verification adds a separate match or no-match check on submitted identifying data.
Platform
A platform built around mortgage operations.
Use a secure portal for individual requests, OrderPAD for bulk ordering, or connect through an API when your process calls for automation.
Mortgage Data Verification Center
Answers your underwriting, operations and QC teams can actually use.
Practical resources on IRS transcripts, authorization forms, SSA verification, income documentation and verification risk.
Form 4506-C for mortgage lenders
What it authorizes, how it is used, and what to check before submission.
8821 GUIDEUnderstanding Form 8821 authorization
CAF authorization, scope, retrieval and common operational distinctions.
PROCESSING CENTERIRS turnaround and processing resources
A living resource for lending teams watching current processing conditions.
FRAUD CENTERIncome misrepresentation and document risk
Why independent verification identifies discrepancies before they become defects.
Experience + technology
Modern verification with people who know the process.
Automation moves the routine work forward without supervision. Experience is what matters when a file is anything but routine — an authorization the IRS rejects, a tax year that has not posted, a borrower entity that files three different ways, a closing date that just moved up. Our specialists work through these every day, which is why files that stall elsewhere tend to finish here.
Fast. Secure. Reliable. For 25 years and counting.
Partner with IRSTaxRecords.com and experience proven accuracy, unmatched turnaround, and responsive support.
Talk to a verification specialist.
You will reach someone who handles IRS and SSA verification every day, not a general help desk. Bring us the file that will not clear — the rejected authorization, the missing tax year, the closing that moved up — and you will be speaking with a specialist who has already solved it many times over.
Knowledge Center
Current IRS turn times, updated as conditions move.
Processing conditions change week to week, and a transcript condition is easier to plan around when you know what the queue looks like today. We track current turnaround and cover the verification news that affects lending operations. Mortgage Industry News →
Why lenders stay with us
25 years of helping lenders make decisions with verified data.
For more than 25 years IRSTaxRecords.com has been trusted by thousands of US banks and mortgage lenders nationally.
With millions of transcripts delivered for our clients, IRSTaxRecords.com is one of the largest distribution hubs for government tax data in the United States.
Fast, easy and secure processing with the highest encryption available today. Our data centers exceed industry compliance standards.
Government records — it's what we do. We provide accurate IRS transcripts and SSA verifications with the fastest turn times in the industry.
Honored to be recognized among the Top 10
Thank you to TopTenFinancial.com for this honor, and to our customers for making it possible.
We are honored to receive this award and to be recognized as an industry leader.
In their words
Lending teams who rely on us.
Trusted by banks and mortgage lenders nationwide
Ready when you are
Make government-source verification easier.
Create your account, explore how the platform works and see how simple verification can be. Once your account is created and active, a member of our support team will contact you to answer your questions.