Bank's don't just randomly stipulate for proof of income. Proof of income will be stipulated typically because of credit score, or credit history. If a person is looking to obtain a 40k auto loan and has been on the same job for 10 year's and had previously paid off a 40k auto loan with good repayment, then a bank is less likely to stip for income because the applicant has comparable past credit to base their decision off of.
Alot of large lender's also have access to database's in which they can run your name/social and find out how much money you make or even see your last year's W-2. I can't remember what this system/database's name is and not all people/employer's will show up in the system.
Proof of residence is usually stipulated if the address you used on the application doesn't match the address listed in the credit bureau. Proof of residence is usually always stipulated on subprime, bad credit auto loan's because the bank want's to insure with proof that you live at a specific address in the event you default on the loan and they have to repo it.
The point I am trying to make is everyone's situation is completely different from another, when stipulated with having to provide POI Or POR it is based on your current situation and the underwriter's decision.
