Abstract: A technique of assets and deposits verification for making a lending decision is disclosed that does not require requesting manual assets and deposits verification and performing a manual comparison of the results of such verification to financial statements provided by the borrower. The borrower provides authentication information (e.g., login credentials), which a verification service utilizes to obtain the borrower's assets and deposits information from a financial institution. The verification service delivers verified assets and deposits data and financial statements to the lender, which can be provided securely in a tamper proof form. Techniques to provide privacy protection for the borrower may include a privacy protection protocol. Additionally, a certificate of authenticity may be provided to the lender.

Abstract: A technique of employment and income verification for making a lending decision is disclosed that does not require requesting manual employment and income verification and performing a manual comparison of the results of such verification to payroll documents provided by the borrower. The borrower provides authentication information (e.g., login credentials), which a verification service utilizes to obtain the borrower's employment and income information from a payroll provider. The verification service delivers verified employment and income data and payroll documents to the lender, which can be provided securely in a tamper proof form. Techniques to provide privacy protection for the borrower may include a privacy protection protocol. Additionally, a certificate of authenticity may be provided to the lender.

Abstract: A technique of income verification for making a lending decision is disclosed that does not require requesting tax transcripts from the Internal Revenue Service and performing a manual comparison of the tax transcripts to tax returns provided by the borrower. The borrower provides authentication information (e.g., login credentials), which a verification service utilizes to obtain the borrower's tax information from an E-file tax preparation provider. An optional checking process can be used to check that the tax return has not been amended. The verification service delivers verified income data and tax returns to the lender, which can be provided securely in a tamper proof form. Techniques to provide privacy protection for the borrower may include a privacy protection protocol. Additionally, a certificate of authenticity may be provided to the lender.