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Use Form 4506-T to request any of the transcripts: tax return, tax account, wage and income, record of account and verification of non-filling. The transcript format better protects taxpayer data by partially masking personally identifiable information.
Mortgage lenders may require you to fill out Form 4506-T as part of your mortgage application. It allows them to obtain a transcript of your tax return information directly from the IRS. They use it to verify the other income documentation you provided during the loan application process.
Use Form 4506-A to request under Internal Revenue Code Section 6104: A copy of an exempt or political organizations return, report, or notice.
Form 4506-A. (November 2021) Department of the Treasury. Internal Revenue Service. Request for a Copy of Exempt or Political Organization.
Note: Some lenders may require that you provide Form 4506, which is a copy of your tax return, rather than a transcript. This is less common, but still can occur. If your lender does require this form, be sure that you specify their name on line 5 of Form 4506. Failing to do so could be an information security risk.

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The Customer File Number will be located on line 5b of the Transcript Request Form. The Customer File Number feature was made available in mid- January of 2019. To use the Customer File Number, the third party (usually a bank or other institution) will assign you a 10 digit number.
Form 4506-T is free, and transcripts generally arrive in about three weeks. When you file the Form 4506-T, youll receive a printout of most of the line items on your tax return (rather than a copy of the actual return). This document is called a tax return transcript.

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