Abstract: The present disclosure relates generally to an income inference and validation system. For example, the system can receive application data and a stated income. The system can further identify borrower attributes based on the application data and obtain table features. The table features can include subsets of the borrower attributes and corresponding feature values. The system can ingest the table features into a first machine learning (ML) model to generate a predicted income for the application. Additionally, the system can generate, by a second ML model in which the predicted income and the table features are ingested, an error estimate for the predicted income. The system can further ingest the predicted income, the error estimate, and the table features into a third ML model. The system can generate, with the third ML model an income score indicating a likelihood that the stated income is fraudulent.