So the client asked for a transcript of 2020?  If the return has not been processed, I don't think anything will show up, even if accepted by e-filing.  It's probably one of the 16 million returns still under review.  If it was a joint return, the UC adjustment won't have been made yet.  Is this a case where a mortgage lender is making work for everyone because someone thought it would be a good idea to verify tax return filing?