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4506-C IRS Tax Transcripts 

4506-C IRS Tax Transcripts provide official IRS tax return transcripts for income verification purposes in mortgage lending. This service is essential for verifying self-employed borrower income, complex income situations, and validating tax return information submitted during the loan application process.  

KB-ConsumerRequester-4506-1

Step 1: Ensure You're Credentialed 

  • If not credentialed, contact Support first (support@bankvod.com)
  • Cannot proceed without credentials 

 

Step 2: Start Your Order 

  1. Log in to bankVOD 
  2. Click ORDER A VERIFICATION 
  3. Find 4506-C IRS Tax Transcripts card 
  4. Click blue Select button 
  5. If credentialed, you'll proceed to order form 

 

Step 3: Complete the Order Form 

Your Information: 

  • Your Name: First and Last 
  • Your Email: Where transcripts will be sent 
  • Date: Today's date 
  • Tracking Number: Loan file number 

Borrower Information: 

  • Full Name: EXACTLY as filed with IRS  
    • Use "Robert" not "Bob" 
    • Match tax return exactly 
  • SSN: Full 9-digit Social Security Number 
  • Current Address: Where borrower lives now 
  • Previous Addresses: All addresses during tax years requested 

Tax Years to Request: 

  • Check box or enter each year needed 
  • Examples: 2024, 2023, 2022 
  • Most common: 2 most recent years 

 

Step 4: Upload Form 4506-C 

REQUIRED - Must Upload: 

  • Signed Form 4506-C from borrower 
  • Must have original signature 
  • Dated within 120 days 
  • All required fields completed 
  • Clear, legible scan (300 DPI minimum) 

Also Upload: 

  • Copy of borrower's ID 
  • Social Security card copy 
  • Any supporting documents 

 

Step 5: Select Payment & Submit 

Calculate Your Cost: 

  • Count tax years requested 
  • First year: $13.00 
  • Each additional: $7.00 

Review: 

✓ Borrower name matches tax return exactly 
✓ All addresses included 
✓ Form 4506-C uploaded 
✓ Form is signed and dated 
✓ Tax years correct 

Submit and save confirmation number 

 

After You Submit 

Why Processing Time Takes Longer: 

  • Goes through IRS 
  • IRS processes request 
  • IRS retrieves tax data 
  • IRS returns transcripts 
  • Not instant like other verifications  
Factors Affecting Timeline: 

Faster: 

  • Off-season (May-December) 
  • Accurate information 
  • Recently filed returns processed 

Slower: 

  • Tax season (January-April) 
  • Recently filed returns (IRS not processed yet) 
  • Name/address mismatches 
  • IRS backlogs 


Questions? Contact our Support Team