# What mortgage brokers collect from borrowers

Source: https://dokutrak.com/requests/mortgage-brokers
Author: Arthur Teboul, DokuTrak
Published: 2026-11-09
Language: en-US

> Mortgage brokers and loan officers collect pay stubs, W-2s, bank statements, tax returns and a photo ID from each borrower, plus 1099s, K-1s and business returns when income is self-employed. Requests go out at application and again before closing, when lenders usually ask for updated statements. The friction: missing pages, statements too old for the lender, and borrowers who go quiet while house hunting.

A loan file is built from documents that show income, assets and identity. The broker collects a first set at application, then the lender’s underwriting conditions bring a second round, often for the latest pay stub or another month of statements.

Files stall on details: a bank statement with page 3 of 4 missing, a large deposit with no explanation, a pay stub older than the lender accepts, or a tax return without its schedules. Borrowers who have found a house answer fast; those still looking can go quiet for weeks while their documents age.

## Request guides

- [Pay stub](https://dokutrak.com/requests/mortgage-brokers/pay-stub)
- [W-2](https://dokutrak.com/requests/mortgage-brokers/w-2)
- [Bank statement](https://dokutrak.com/requests/mortgage-brokers/bank-statement)
- [Prior-year tax return](https://dokutrak.com/requests/mortgage-brokers/prior-year-tax-return)
- [Driver’s license](https://dokutrak.com/requests/mortgage-brokers/drivers-license)
- [1099-NEC](https://dokutrak.com/requests/mortgage-brokers/1099-nec)
- [Schedule K-1](https://dokutrak.com/requests/mortgage-brokers/schedule-k-1)

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