Yes, but if your current income is enough to cover a mortgage payment plus your other expenses they may only ask for an explanation of why the decline in income if you are looking to purchase a home.
I’m not sure if this is the answer you were looking for, you mentioned the word hardship in your question which to me would indicate perhaps you might be behind on mortgage payments. If this is the case then the lender will definitely consider this a hardship and might work with you until you can get back on your feet, but keep in mind not all banks will work with the homeowner directly. In many cases I have helped talk to the bank and helped homeowners stay in there home. There are many options a homeowner has but are not aware of them.