Tax Wallet Powered By Halcyon

Ready to close loans faster, reduce costs, and delight your borrowers? With Tax Wallet by Halcyon, you can say goodbye to the headaches of 4506-C forms and hello to streamlined efficiency that will revolutionize your lending process and create a better borrower experience.
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Close Loans Faster for a Fraction of the Cost

Imagine slashing your loan processing time by 70% while ensuring 100% accuracy in tax transcripts. That's the power of Tax Wallet by Halcyon!

Tax Wallet uses a direct connection to the IRS, which means you get reliable data without the wait or the cost. For one fee you get up to 3 years of access to borrower's tax transcripts and there is no additional fee for additional borrowers, requests, or corrections.

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Faster Turnaround Time

While traditional 4506-C processes can take 1-2 weeks on average, Tax Wallet revolutionizes tax transcript retrieval by delivering results in minutes to days, dramatically accelerating loan origination and closing times for lenders.

Better Borrower Experience

Two convenient order placement methods that allow your borrower to chose the right path for them. Borrowers can either grant permission quickly through ID.me for near-instant results, or they can opt for a more traditional approach by signing a one-time Transcript Authorization form, providing flexibility to suit various preferences and comfort levels with digital processes.

Lower Cost Tax Transcripts

While traditional 4506-C requests can cost $40+, Tax Wallet provides tax transcripts at about 25% of the price, significantly reducing expenses while delivering faster and accurate results.

Up to 3 Year Access

Avoid post close transcript issues with the ability to pull tax transcripts up to 3 years in the future without the need for additional signatures or borrower action.

No Additional Fees 

Single, all-inclusive cost per loan eliminates additional fees for multiple borrowers, extra tax years, or error corrections, so you never need to worry about unexpected charges.

Rep & Warranty from Fannie & Freddie

Protection your business against repurchase requests. Tax Wallet offers Rep & Warranty indemnification from Freddie Mac and Fannie Mae, providing an extra layer of security for eligible loans that meet specific payment history or quality control review criteria.

LOS & Income Calculator Integration

Seamlessly integrates with Encompass, Byte, Meridian Link Mortgage, and Empower platforms, and offers a robust API that allows direct data transmission to its income calculator, streamlining tax transcript retrieval and income verification processes.

Multiple Data Formats

Data can be delivered via PDF & JSON, without OCR, or human intervention of the data.

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Take the Guesswork Out of Income Calculations with Fast, Accurate Automation

The Halcyon Income Analyzer pairs seamlessly with Tax Wallet, pulling verified IRS tax transcript data directly into the analyzer to automate income calculations. This integration eliminates manual document collection and data entry, ensuring faster, guideline-based income analysis with consistent, compliant results. Together, Tax Wallet and the Income Analyzer help lenders move files forward with confidence while providing borrowers with a smoother experience.

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Web-Based Platform
Access all income data in one centralized, user-friendly interface with minimal manual input.
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Estimated Qualified Income

View high-level, estimated qualified income figures for faster decision-making.

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Time-Saving & Efficient

Reduces processing time while ensuring accuracy and compliance.

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Audit Trail

Maintain a detailed log of changes and actions for transparency and accountability.

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Version Control

Save and manage multiple versions of each file for comparison and tracking.

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Multi-Year Support

Analyze income data across up to four tax years, giving a fuller financial picture.

See Tax Wallet Powered by Halcyon in Action!

Don't let outdated processes slow you down – book a demo today and discover how we  can help revolutionize your loan origination process, create a better borrower experience, and reduce costs.

See a Demo
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More Than Just a Score

At Certified Credit, we deliver more than just a score. We provide industry-leading information and analytics with the expertise and technology you can rely on to fuel your business. 

  • Credit Reports
  • Fraud & Risk Mitigation
  • Property
  • Employment Screening
  • Score Improvement Tools
  • Third-Party Verifications
  • Client Acquisition & Retention
  • Tenant Screening

"I couldn't be happier with Certified Credit and their wonderful employees. I know first-hand my team loves the Certified Credit team."

- Top Tier Mortgage Lender
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