Cogent Road, a provider of Internet-based applications for the mortgage industry, said Wednesday that it had launched a new feature in Funding Suite, its credit management platform, which enables loan originators to quickly and securely retrieve borrowers' tax documents online from the Internal Revenue Service. Beyond an increasing movement to the all-in-one LOS, credit risk assessment has moved to the forefront of the origination process as underwriting standards have tightened. Platforms like those provided by Cogent Road have become a necessity for loan officers, who can no longer originate loans without accessing full borrower documentation. Cogent Road said its new IRS retrieval service helps loan officers keep the deal flowing when potential borrowers have misplaced their W2, 1099 or 1040 tax forms over the years. By locating and including tax information at the beginning of the origination process, potential borrowers can avoid later delays due to missing income documentation, the company said. "There is a growing need for borrowers' tax documents now that stated income loans have disappeared," said Jennifer Blacker, production manager at Edmond, Oklahoma-based Homeworx Mortgage, LLC. "Funding Suite offers us a quick, automated method for accessing these documents directly from the IRS that is unique to the mortgage industry." "We wanted to give originators and their borrowers a less stressful way to locate and access necessary tax information," said Alan Baia, managing partner for Cogent Road. "Incorporating tax forms into Funding Suite in a PDF format that cannot be edited, copied or pasted provides a useful tool for making the origination process simpler, faster and more secure." For more information, visit