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Can or will a bank ever Average 3 years income for a mortgage approval? In my situation a 3 year average would help he better than a 2. 2014 was a little low where 2013 was really high and 2015 was normal.
Are you self employed? I believe the only time they are averaged is for the self employed and business owners, and as far as I know, it's only 2 years, but you can always call around to different lenders and ask.
What is the reason for the fluctation? And what type of income? Self-employed or W2? If W2, salary or hourly?