Income verification software
Automated income verification for lenders and eligibility reviews. Pay stubs, W-2s, tax returns and bank statements are checked against the application and each other. Your team reviews only what disagrees.
- 99% field-level accuracy on 250+ document types
- 95%+ of documents processed straight through
- SOC 2 Type 2, HIPAA and GDPR
- Employer
- Linden Health Inc.99%
- Pay date
- Aug 21, 202699%
- Gross pay
- $3,000.0099%
- Net pay
- $2,284.3798%
- Year-to-date gross
- $45,900.0010% behind the W-2
Trusted by 10,000+ mid-sized and enterprise teams, including
- Grid Finance
- Hitachi
- PayU
When payroll data runs out, the documents still need checking.
Payroll data connections cover many salaried applicants. Everyone else sends documents.
| Payroll dataA connection, where the employer reports | DocumentsChecked by Docsumo, whatever the applicant sends | |
|---|---|---|
| Salaried, large employer | Often found | Pay stubs and W-2s, checked against each other |
| Self-employed | No payroll record | Tax returns, 1099s and deposits |
| Gig and contract work | Depends on the platform | 1099s and deposits from every source |
| Two jobs, or a new job | Only employers that report | A pay stub per employer, plus the offer or employment letter |
| Small or local employer | Often not covered | The same pay stub, W-2 and deposit checks |
Docsumo works alongside payroll data connections: it checks the documents they don't cover.
Every document an income file is built from.
Digital or scanned, in any layout. Every field arrives with a confidence score.
- Wages
Pay stubs
Earnings and deductions, this period and year to date.
- Employer
- Pay date
- Gross and net pay
- Year-to-date gross
- Wages
W-2s
Box by box, one form per employer.
- Employer and EIN
- Box 1 wages
- Tax withheld
- Tax year
- Self-employed and gig
1099s
1099-NEC, 1099-MISC and other 1099s, one per payer.
- Payer and TIN
- Form type
- Amount
- Tax year
- All income
Tax returns
Form 1040 with Schedules C and E, pages sorted by form.
- Wages, line 1a
- Schedule C profit
- Schedule E income
- Filing status
- Deposits
Bank statements
Every deposit from any bank, with the pages and months checked.
- Account holder
- Payroll deposits
- Deposit dates
- Statement months
- Employment
Employment letters
Offer and employment letters from the employer, in any layout.
- Employer
- Job title
- Start date
- Salary or pay rate
Pension, benefit and other income letters are read too: Docsumo handles any document type, beyond its 250+ pre-trained ones.
Stated income, checked against every document in the file.
Pick a check to see the figures it compares.
Ready for review · 1 exception
Year-to-date pay vs W-2
Pay stub · 2025 W-2⚑ 10% behind- Pay stub17th of 26 pay dates
- Pay date
- 2026-08-21
- Year-to-date gross
- 45,900.00
- Form W-2 · 2025Linden Health Inc.
- Employer EIN
- ••-•••7732
- Box 1 wages
- 78,000.00
Compared
- Same point in 2025
- $78,000.00 × 17 ÷ 26 = $51,000.00
- Year to date, 2026
- $45,900.00
- Behind last year's pace
- $5,100.00 · 10%
Flags year-to-date pay further behind last year's pace than your threshold.
You choose which checks run and the threshold for each.
The one exception, pay 10% behind last year's pace, is a question for your team, not a decline: unpaid time off earlier in the year would explain it. Cross-document checks are on the Enterprise plan.
Your team reviews exceptions, not pay stubs.
Files that pass every check move on. The rest arrive with the reason, the source line and the figures that disagree.
Review queue 3 of 12 files
✓ 9 passed every check and moved on
- Same point in 2025 (W-2)
- $51,000.00
- Year to date, 2026
- $45,900.00
The pay rate matches the W-2 and the employment letter. Every other check passed.
- Gross pay3,000.00
- Net pay2,284.37
- Year-to-date gross45,900.00
- Exceptions onlyFiles that pass every check don't wait for a person.
- The source, highlightedClick a field to see the line it came from.
- Thresholds you setConfidence thresholds per field decide what goes to review.
- On the recordEvery correction and approval is logged, and corrections improve the model.
Lenders and eligibility teams, the same checks.
The documents are the same wherever income is verified. The rules and thresholds are yours.
- Mortgage
Mortgage lenders →
Pay stubs, W-2s and returns checked against the income on the 1003 before underwriting.
- Pay stubs and W-2s
- 1040s
- Asset statements
- Stips
Consumer and auto lenders →
Proof of income read as it arrives and matched to the application.
- Pay stubs
- Employment letters
- Bank statements
- Owner income
Small business lenders →
Owners' and guarantors' personal income, next to the business spread.
- 1040 with Schedule C
- 1099s
- K-1s
- Eligibility
Eligibility teams →
Household income checked against what the applicant reported, under your program's rules.
- Pay stubs
- Bank statements
- Tax returns
What changes when income files stop waiting on people.
From upload to a checked income file, in five steps.
- 01
Collect
Email, upload or API, from applicants, brokers or your LOS.
Collection agent - 02
Classify and split
An upload is split into its stubs, W-2s and returns.
Classification agent - 03
Extract
Every field and deposit, each with a confidence score.
Extraction agent - 04
Verify
Against the application, the other documents and your rules.
Verification agent - 05
Send on
Checked data to your systems; exceptions to your team.
Workflow agent
“The accuracy and service have been amazing since day one, and the team is still incredibly responsive a year later.”
Mark Bentley, Deputy Head of Credit, Grid FinanceChecked income data, in the system you decide in.
Each file arrives as JSON in your LOS or case system, with the controls your security review will ask about.
SOC 2 Type 2Independently audited controls- ISO 27001Certified security management
HIPAAFor protected health data
GDPRFor EU personal data
Encrypted with TLS in transit and AES-256 at rest. Your documents are not used to train shared or third-party models.
How Docsumo protects your data →// POST https://your-los.example.com/hooks/docsumo { "meta_data": { "title": "torres-paystub-2026-08.pdf" }, "data": { "Earnings": { "Pay Date": { "value": "2026-08-21", "confidence": 0.99 }, "Gross Pay": { "value": 3000.00, "confidence": 0.99 }, "Net Pay": { "value": 2284.37, "confidence": 0.98 }, "YTD Gross": { "value": 45900.00, "confidence": 0.97 } // 9 more fields } } }
Your LOS or case system
Documents in by email, upload or API; checked data out by webhook.
A test environment
Your engineers validate changes before they reach production.
Audit log and permissions
By role, team and document type. Every approval recorded.
What teams ask about income verification.
What is income verification software?
Income verification software reads the documents applicants send as proof of income, such as pay stubs, W-2s, 1099s, tax returns and bank statements, and checks them against each other and the application. Docsumo is an intelligent document processing (IDP) platform. Its automated income verification extracts every figure with a confidence score, runs the cross-document checks you configure, and sends your team only the files where something disagrees.
How do lenders verify income?
From payroll data where an employer reports it, and from documents everywhere else. With documents, the underwriter compares the pay stub's rate and year-to-date pay with the W-2, the W-2 with the tax return, and payroll deposits on the bank statements with the stated income, then checks that the employer's name matches on each. Docsumo does the reading and matching; your team decides the files it flags.
How do mortgage lenders verify income?
Mortgage lenders usually collect recent pay stubs, W-2s, tax returns and bank statements, and compare them with the income on the loan application. Docsumo extracts each document and checks it against the application and the others before the file reaches underwriting. It delivers checked figures; qualifying income is still calculated under your own policy.
What documents are used for income verification?
Pay stubs, W-2s, 1099s, federal tax returns (Form 1040 with Schedules C and E), bank statements and employment letters are the most common. Docsumo reads all of them, digital or scanned, plus pension, benefit and other income letters, because it handles any document type, not only its 250+ pre-trained ones.
How do self-employed applicants verify income?
With no employer payroll to check, self-employed applicants send tax returns (Schedule C for a sole proprietor, Schedule E for rental and pass-through income), the 1099s from the businesses that paid them, and bank statements. Docsumo extracts each form line by line and checks the deposits against the stated income, so the reviewer starts from the gaps.
Does Docsumo replace The Work Number or payroll data connections?
No. Payroll data connections work well for applicants whose employers report to them. Docsumo checks the documents everyone else sends: self-employed and gig income, second jobs, small employers, and applicants who don't connect a payroll account. It works alongside them.
Is it only for lenders?
No. Any team that verifies income from documents can run the same checks, including teams that decide eligibility for programs and benefits. The documents are the same; the rules and thresholds are yours, and Docsumo's controls include SOC 2 Type 2, HIPAA and GDPR.
How accurate and fast is automated income verification?
Docsumo reaches 99% field-level accuracy on 250+ document types in production, and 95%+ of documents go straight through without manual review. A document takes under five minutes, down from two hours or more by hand. Values below the confidence threshold you set for a field go to a reviewer, who sees the source line highlighted.
How do we get started?
Start a free trial with 1,000 pages over 14 days, including the API and webhooks. Cross-document validation and case management, which check a whole income file, are on the Enterprise plan. Or book a demo and bring a real income file; we run it live and show every check.
Bring a real income file to the demo.
Pay stubs, a W-2, a tax return and three months of statements, scanned or digital. We run it live and show every field and every check.