Credit card delinquency rates
To give you an idea of what im saying. Mortgage deliquencies are down year over year. On the other hand, credit cards, autos and school loans deliquencies are up which require little to no income documentation. Its not too hard to identify why the rates of deliquency are higher to outlandishly high in some instances relating to cards, school loans and autos. why allow a borrower to 'state' income at all. As a bank, fintech, or alternative lender, seems like a very simple fix, and it would allow you to drop the high deliquency rates and likely net out the same profit on those products year in and year out.