IncomeVerify · IncomeVerify Lender API

Embed IRS-direct income verification in your LOS.

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.

Endpoints

Initiate verification

POSThttps://api.jilsovereign.com/v1/incomeverify/start

{
  "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"
}

Retrieve CREB

GEThttps://api.jilsovereign.com/v1/incomeverify/creb/{verification_id}

{
  "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"
  }
}

Lender API pricing

Base subscription

$4,995 / year. Production API + sandbox keys, LOS integration support, SLA-backed uptime.

Per-file tiered

$9.95 W-2 / $19.95 Self-Employed / $29.95 DSCR. Cash-flow analysis included on Self-Employed and DSCR tiers.

Volume bundles

5,000 / 25,000 / 100,000 file bundles prepaid with tiered discount. For wholesale lenders running multi-thousand-file/month pipelines.

Who buys this

Non-QM lenders

Angel Oak, Deephaven, Newrez, A&D Mortgage embedded directly in their LOS.

DSCR specialty lenders

Investor-grade real-estate income verification with rental-schedule reconciliation.

Hard money / bridge lenders

Income side of capacity for borrowers with complex collateral.

Mortgage origination platforms

Encompass, ICE Mortgage Technology, MeridianLink, Roostify, Blend.

Wholesale lending desks

High-volume file pipelines with predictable per-file pricing.

Private credit funds

Individual-borrower lending with documented IRS-source income.

Verification, not credit decisions

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.

What's in the CREB

Subject of verdict (borrower identity + loan context)
Income components by tax-form line (W-2, Schedule C, K-1, 1099, Schedule E)
Cash-flow analysis (Plaid bank-statement reconciliation, Self-Employed + DSCR tiers)
Tier (W-2 / Self-Employed / DSCR)
Hybrid signatures (Ed25519 + Dilithium-III)
CourtChain anchor transaction
90-day CREB reuse window

Talk to integration

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.