Solutions — Mortgage Lending
IVES transcript workflows, built for mortgage lenders
4506-C processing, borrower e-consent, and the identity controls the IRS requires — in one platform for mortgage originators.
Income verification touches nearly every underwriting file. For lenders using the IRS Income Verification Express Service (IVES) to obtain tax transcripts, the workflow around Form 4506-C is still largely manual — and the IRS holds participants to strict identity, consent, and recordkeeping requirements.
For mortgage originators, the friction shows up in the same places:
- →Manual faxing and resubmission cycles on Form 4506-C that add days to the underwriting file
- →Borrower consent captured on paper or in e-sign tools that don’t line up with IRS requirements for the 4506-C
- →Authorized-user lists managed by spreadsheet — no identity proofing, no clean revocation when staff change roles
- →Audit trails reconstructed after the fact instead of generated by the workflow itself
Webmethod builds Iris — software that supports mortgage lenders’ IVES workflows end to end, from consent and identity controls to retrieval and audit — for the sole purpose of supporting lenders obtaining a mortgage on residential or commercial real property.
What Webmethod Does
The 4506-C workflow, handled in one platform
Borrower E-Consent
- —Borrower consent capture on Form 4506-C with two-factor signer authentication
- —Designed to align with the IRS electronic signature framework for IVES
Identity Proofing & Access
- —Identity proofing of authorized users before access is granted
- —The controls the IRS requires of IVES participants: verified users, access revocation, 30-day re-registration
Secure Retrieval & Delivery
- —Secure transcript retrieval and delivery workflows for lender staff
- —IP and geolocation access controls on every session
Audit & Retention
- —5-year documentation trails covering consent, access, and delivery events
- —Safeguards aligned to IRS Publication 4557, Safeguarding Taxpayer Data
The Platform
Iris, built by Webmethod
The workflows on this page ship as Iris — our platform for mortgage lenders: borrower e-consent on Form 4506-C, identity-proofed access for lender staff, secure delivery workflows, and audit-ready records.
Explore IrisCompliance Posture
Built around the IRS safeguard requirements
Data handling aligned to Safeguarding Taxpayer Data (Publication 4557) — encryption, access control, and incident response practices.
Identity proofing and authentication of authorized users informed by NIST SP 800-63 digital identity guidelines.
Two-factor signer authentication on borrower consent, designed to align with the IRS electronic signature framework for Form 4506-C.
Documentation and retention trails built for the five-year recordkeeping expectations that apply to IVES workflows.
Deployment Models
Two ways to run it
Webmethod’s software runs on top of your organization’s existing IVES participant enrollment. Your credentials and your IRS relationship stay in place — our platform adds the consent capture, authorized-user controls, and audit trail around them.
The Webmethod, LLC is an approved IVES participant. We are standing up full-service 4506-C transcript processing on our own participation — talk to us about timing and early access.
See it on a real 4506-C workflow
Request a demo for mortgage lenders — we’ll walk your team through consent capture, authorized-user controls, and the audit trail end to end.
Iris is a product of The Webmethod, LLC. Webmethod is not affiliated with, or endorsed by, the Internal Revenue Service. IVES (Income Verification Express Service) is an IRS program, described here factually.