Eliminate Mortgage Income Error
ZERO guideline, calculation, and data errors
Trusted by the nations largest banks, credit unions, and GSEs
No Guideline Errors
Stay compliant, avoid costly errors
IncomeXpert ensures every loan file is reviewed against the latest agency guidelines—automatically. Just select the relevant agency, and IncomeXpert flags any income issues that may require closer attention.
Your team gets instant visibility into potential compliance risks, so underwriters can act early, reduce delays, and prevent costly mistakes before they happen.
- Rep and Warrants on Compliance
- Guideline Advisories and Warnings
No Calculation Errors
Confidence in every number.
IncomeXpert guarantees calculation accuracy—no guesswork, no manual errors. Every output is backed by rigorous testing, ongoing audits, and full Processing Integrity compliance under SOC 2 Type 2 standards.
While most companies stop at basic compliance, we’ve gone further to ensure your numbers are right the first time, every time.
- Rep and Warrants on Calculations
- Independently audited
No Data Errors
Automate with confidence.
IncomeXpert brings automated income analysis into your workflow—reducing manual entry and saving hours of work. But unlike typical OCR solutions, we don’t leave accuracy to chance.
Our dual-scanning system independently verifies extracted data. If there’s a mismatch, the system flags it for human QC review—so errors are caught and corrected before they ever reach underwriting.
- Rep and Warrants on OCR
- Automated data extraction
Trusted by top lenders and GSE's
We solve income errors your way
IncomeXpert is a complete income analysis solution for credit unions, community banks, and national lenders.
With IncomeXpert, you’re in control. Your team can choose the workflow that fits each loan:
- Manual entry — your team enters income data using our guided worksheets, prompts, and checks to ensure accuracy and compliance. This keeps costs low by leveraging your in-house staff while eliminating guideline and calculation errors.
- Automated entry — upload income documents and let our AI scan, extract, and analyze the data instantly. This saves time, improves efficiency, and delivers higher rep & warrant coverage with fully documented, automated calculations.
- Both — You can mix both manual and automated incomes in the same loan file — for example, upload and scan paystubs and tax returns automatically while entering child support income manually.
You choose what is best for your team. You control your costs. With comprehensive role management you can control who uses automation and who can not. The best part is both users can collaborate and access the same loan file.
We guarantee:
- No guideline errors
- No calculation errors
- No data entry errors
Why choose when you can have both?
IncomeXpert gives your team the flexibility to work how they want — fully manual, fully automated, or any combination — without compromising on accuracy, speed, or compliance.
You don't understand Reps and Warrants.
Most lenders assume they’re covered — until something goes wrong. Hidden carve-outs, vague terms, and weak coverage can leave you exposed when you need protection most. Don’t wait until it’s too late. See how our industry-leading Rep & Warrant program actually protects you.
How We Are Different
Built for Workflows
Unlike other solutions, IncomeXpert is designed with your workflow in mind. Our software understands the roles of each user and the current stage of the loan lifecycle, dynamically adjusting permissions. This ensures that sales teams can use IncomeXpert with limited controls to determine a safe income, while underwriters have the flexibility to adjust for higher income when necessary.
Advisories To Stay Ahead of Guidelines
IncomeXpert includes over 200 income advisories that alert underwriters if additional guidelines apply. With IncomeXpert, you stay compliant with the latest agency guidelines to ensure calculated income is correct.
Advisories To Stay Ahead of Guidelines and Compliance
Full Reps & Warrants
We stand behind our calculations with Reps and Warrants on the calculations, guideline compliance, and data entry. If our calculations are erroneous or non-compliant, we will make it right.
Human guided Automation
We enhance your underwriting team’s efficiency with smart human guided automation, without compromising the essential expertise of your underwriters. Our tools streamline guideline memorization, data entry, and calculation analysis, freeing your underwriters to focus on critical risk assessment and decision-making.
Clear Reporting
Testimonial
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