Automate income analysis without losing control
IncomeXpert automates the analysis across every loan, so your whole team runs on one standard, with a defensible audit trail behind every calculation.
The results our lenders report
hrs/mo saved
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0
Reduction in labor hours per loan
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0
%
Million loans - no errors
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The Problem
Same Guidelines. Same Documents. Different Answers.
Guidelines are open to interpretation
Natural-language guidelines leave too much up to human judgment.
No standards across the team
Each underwriter has their own method, leading to inconsistent approvals.
Too much manual work
Keying, checking, and re-checking income data eats hours of time and invites errors.
Small mistakes, big consequences
One wrong number can trigger buybacks, audits, or risk loans on the book.
Our Solution
One Engine. Every Loan. Every Team Member
IncomeXpert extracts, calculates, and validates income from loan documents automatically, then hands your team a fully audit-ready worksheet. Every number is traceable. Every override is logged. One standard applied consistently across every file, no matter who’s working it. Integrate directly with your LOS, or use standalone via the web.
For Origination
A fast, non-overridable income figure to qualify against immediately. The income you use to qualify Saturday afternoon, is the same one that holds up in underwriting on Monday. No one prices a loan against a figure that unravels later.
For Underwriting
Full authority to review, deviate and override. Every decision documented and eligible for rep and warrant relief. Backed by hundreds of underwriting advisories so your team keeps complete control without losing compliance.
Trusted by lenders that process thousands of loans a month
IncomeXpert fits every lending model
Credit Unions
Automate & guide income reviews so your members get answers faster.
Community Banks
Bring automation and accuracy to local lending operations.
Mortgage Auditors
See exactly how income was calculated, line by line.
National Lenders
Standardize income analysis across thousands of files and teams.
I like that it is very user-friendly, especially with the aspect of changing calculation methods accordingly, per loan product type. It is nearly impossible to do an incorrect income calc with this software!
It’s a great product, and provides so much relief in underwriting.
User Friendly, And graphical representation make simple to understand.
I love that it consistently updates to the changes in rules and regulations for representatives. I love that I know that my income calculations will be the same no matter who on our team calculates it. That consistency is vital to fair lending, compliance and overall a strong loan portfolio!
It is very easy to calculate the income on Blueprint and the beautiful thing is you will get a detailed report generated which you and further review.
Everything about the software is awesome! Ever since I became a user back in 2016, my income calculations have gotten better, and my understanding of income has improved. I would recommend this program to any mortgage company, loan officer, or loan processor.
Got Questions?
IncomeXpert is the software product created by the team at Blueprint. IncomeXpert replaces spreadsheets and modernizes your underwriting team with always-accurate income analysis software.
Any mortgage professional can use IncomeXpert, but we built it for underwriting teams who process hundreds or thousands of loans per month.
Nope – though we get that question all the time.
IncomeXpert is software for lenders.
So while we get asked to take-a-look at your loan file, we aren’t a team of underwriters analyzing our client’s loan files.
Yes! IncomeXpert can be used in an automated fashion where you upload documents, we scan them, and give you back a complete income analysis.
But you can also skip the automation and directly enter data into our guided income worksheets.
Automated and guided income types can be used on any loan. Automate some, or let your team enter the data. Your choice.
So accurate we back it up with clear Reps and Warrants. We protect you from repurchase demands due to incorrect income calculations.
Absolutely. We have several LOS integrations and more coming online. Reach out to our team and see if your LOS is supported.
Lenders have multiple income analysis options to consider. Manual spreadsheets from the mortgage insurance companies, or full document automation solutions that force you to automate everything.
Blueprint gives you a happy middle ground with IncomeXpert. We let you blend automated income analysis with manually guided income analysis on the same loan.
Use our automation where and when you want, you aren’t forced to choose. This lets you control costs and control your workflow to suit your business needs.
Yes. Our calculation worksheets are dynamic. You can adjust the values as new data becomes available and see the results instantly.
You can perform what-if scenario testing and see the results in real-time.
IncomeXpert is priced per-loan. The more loans you do, the lower the per-loan price.
We provide all accounts with on-boarding training for their underwriters. Most people pick it up after one training session.
Get income right on every loan, every time.
See how IncomeXpert applies one standard across your entire underwriting program.