Lender API for IRS-direct income verification embedded in Encompass, ICE Mortgage, MeridianLink. 24 months of IRS-pulled income with cash-flow analysis. $4,995/yr base + $9.95-$24.95 per file.
If you're a mortgage underwriter, a lender ops lead, an LOS product manager, or an HR / payroll team handling employment verification, this is the short answer for what IncomeVerify replaces in your workflow. Engineers, your bit is below.
You stop chasing W-2s, 1099s, and CPA letters. You see 24 months of IRS-direct income (4506-C IVES pull) plus a cash-flow analysis with the variance, trend, and one-time vs recurring split called out. Investor guidelines (Fannie, Freddie, FHA, VA, jumbo) checked against the income source automatically. The CREB(TM) goes in the loan file as your evidence; the audit trail beats anything you'd build manually.
One drop-in API replaces the patchwork of The Work Number, manual fax-back forms, and CPA-letter chasing. The webhook posts CREB-completed back to the LOS; your loan officers don't change their workflow. Volume bundles map to your file mix; per-file cost is competitive with The Work Number for retail and significantly cheaper at non-conforming volumes.
Employee VOI / VOE requests flip from 'send the form, we'll get back to you in 5 days' to 'give them this CREB ID, takes 30 seconds.' Employee authorizes the IRS pull directly; you never expose payroll data manually again. Cuts down inbound verification calls.
Non-W-2 income (1099 contractor, business owner, K-1 partner) is where The Work Number breaks down. IncomeVerify uses the IRS transcript directly so it works for all income types. The cash-flow analysis is built-in - you don't need a separate vendor for the bank-statement loan file.
You sign one consent (4506-C) at the start of the application. JIL pulls 24 months of income from the IRS (the actual records, not what you typed into the form), runs the cash-flow analysis, and your loan officer has everything they need within minutes. No more 'we need your W-2 from 2023, no the other one.'
Not a credit score. Not an asset verification (use Proof-of-Funds for that). Not a substitute for the underwriter's judgment - it's the income evidence package, signed and timestamped, that makes the underwriter's decision faster and more defensible. Not authorized to pull without the borrower's 4506-C consent.
{
"lender_id": "lender_abc123",
"loan_id": "loan_2026Q3_dscr_xyz",
"borrower": {
"email": "borrower@example.com",
"tier": "self_employed"
},
"callback_url": "https://your-los.example.com/jil-callback"
}
{
"verification_id": "ver_iv_xyz789",
"borrower_email": "borrower@example.com",
"verdict": "SUFFICIENT",
"tier": "self_employed",
"evidence": {
"irs_4506c_years": [2024, 2025],
"income_components": {
"schedule_c_net": 142000,
"k1_partnership": 38000,
"1099_misc": 12000,
"total_attested_usd": 192000
},
"cash_flow_analysis": {
"plaid_months_pulled": 24,
"deposit_to_income_reconciliation": "MATCHED",
"monthly_avg_deposits_usd": 16100
},
"irs_pulled_at": "2026-04-26T13:42:11Z"
},
"creb": {
"id": "creb_iv_2026_xyz789",
"signature_ed25519": "...",
"signature_dilithium3": "...",
"courtchain_anchor_tx": "0x...",
"fre_902_14_admissible": true,
"valid_until": "2026-07-25T13:42:11Z"
}
}
$4,995 / year. Production API + sandbox keys, LOS integration support, SLA-backed uptime.
$9.95 W-2 / $19.95 Self-Employed / $29.95 DSCR. Cash-flow analysis included on Self-Employed and DSCR tiers.
5,000 / 25,000 / 100,000 file bundles prepaid with tiered discount. For wholesale lenders running multi-thousand-file/month pipelines.
Angel Oak, Deephaven, Newrez, A&D Mortgage embedded directly in their LOS.
Investor-grade real-estate income verification with rental-schedule reconciliation.
Income side of capacity for borrowers with complex collateral.
Encompass, ICE Mortgage Technology, MeridianLink, Roostify, Blend.
High-volume file pipelines with predictable per-file pricing.
Individual-borrower lending with documented IRS-source income.
IncomeVerify CREBs reflect IRS transcript data and institution-pulled cash flow at the time of issuance. JIL does not provide underwriting recommendations, credit decisions, or qualified-mortgage determinations.
Lenders remain responsible for all underwriting determinations and compliance with applicable lending regulations including ATR/QM rules, ECOA, FCRA, RESPA, and TILA. JIL is not a lender, mortgage broker, or credit bureau.
Sandbox keys issued same day. Production integration typically 1-2 weeks for direct deployments, 2-4 weeks for white-label platforms. Schedule a scoping call →
JIL Sovereign Technologies, Inc. is not a lender, mortgage broker, or credit bureau. IncomeVerify provides verification services; downstream recovery, lending, settlement, or compliance determinations remain the relying counterparty's responsibility.