BluePrint 2026 Customer Survey
What Lending Professionals Say About BluePrint IncomeXpert
Greater Consistency. Stronger Confidence.
What Lending Professionals Say About BluePrint’s IncomeXpert
Would recommend BluePrint IncomeXpert to a colleague
0
%
Based on respondents who gave a recommendation score between 7-10.
Confidence Starts with Income
In today’s lending environment, accurate income verification is more critical than ever.
BluePrint commissioned a 2026 survey of lending professionals to better understand how IncomXpert is performing where it matters most—accuracy, efficiency, risk mitigation, and customer trust.
The results show that IncomXpert continues to deliver measurable impact across the lending lifecycle.
KEY FINDINGS SUMMARY
BluePrint IncomeXpert customers report the following benefits:
Improved confidence in income verification accuracy
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%
Saved time in the income verification process
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%
More confident the numbers will hold up in an audit or QC review
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%
Makes income analysis more efficient and accurate
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%
Seeing the math and transparency earns trust
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%
Say it’s very or extremely important that they can adjust or override automated outputs
0
%
ABOUT THE PARTICIPANTS
Perspectives Across the Lending Industry
This section profiles the customer organizations and professionals who participated in the BluePrint 2026 Customer Survey.
A Diverse Mix of Organizations
Together, 80% of respondents represent independent mortgage banks, credit unions, or community and regional banks.
Other organizations (18%) include fintech lenders, non-QM lenders, correspondent lenders, mortgage insurers, title and settlement companies, and industry vendors supporting the lending ecosystem.
Professionals Across the Lending Process
Over half of respondents (56%) work in underwriting or quality control, highlighting their critical role in ensuring loan quality and consistency.
More than one in four (26%) are focused on origination and sales.
Experience Built Through Continued Use
72% of respondents report that their organization has used IncomeXpert for at least one year, including 33% who report more than three years of use.
Many participants are therefore describing a platform that has been part of their organization’s workflow over time. Their feedback reflects ongoing experience with income calculations and the demands of daily lending work.
report using IncomeXpert for at least 1 year.
0
%
report using IncomeXpert for more than 3 years.
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%
Greater Consistency Across the Team
A Shared Approach to Income Analysis
of users agree BluePrint brings consistency to their team’s income analysis.
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%
Confidence Starts with Income
Consistency is essential for building trust and reducing risk. BluePrint IncomeXpert helps teams apply the same proven methodology across every income scenario.
Our survey found that 89% of users agree BluePrint brings consistency to their team’s income analysis. That means fewer errors, smoother reviews, and stronger outcomes for your customers.
As one customer shared:
Uniformity, accuracy, and confidence in the calculations
Based on 44 responses.
Accuracy and Consistency Lead the Benefits
Over 70% Identify Accuracy or Consistency as Their Top Benefit
When asked about the single biggest benefit of using BluePrint, 70% of respondents say accuracy 44%) or consistency across underwriters 26%) is their top advantage.
A Majority Agree on Every Benefit Measured
When asked about specific benefits, a majority of respondents agreed or strongly agreed on every measure, from consistency and audit confidence to error detection, collaboration, efficiency, and reduced risk.
Income calculations are more consistent across our team
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%
More confident the numbers will hold up in an audit or QC review
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%
We catch errors we would have missed
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%
Less back-and-forth between underwriting and QC/sales
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%
We spend less time per file on income
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%
Reduced risk of buybacks, repurchases, or scratch-and-dent
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%
How Customers Use IncomeXpert
IncomeXpert is helping tax professionals across a wide range of client profiles. From self-employed individuals and business owners to W-2 employees and landlords, users report broad applicability across income types.
Broad Use Across Income Types
Supporting Everyday and Complex Borrower Scenarios
IncomeXpert’s use spans a wide range of borrower income, from standard W-2 earnings to business, rental, variable, and other complex income sources.
Other income sources include Social Security, pensions, retirement income, military entitlements, and child support.
IncomeXpert has not only simplified self-employed income analysis, it has also clarified the underlying rules and calculation process.
– Anonymous Survey respondent
Value Across Lending Products
Mortgage Lending Leads, with Meaningful Home Equity Use
First mortgages are the most common use, and more than half of respondents also use IncomeXpert for HELOCs or second liens. Smaller groups report additional applications in consumer and vehicle-related lending.
Supporting Multiple Teams and Workflow Stages
Widely Used Across Lending Functions
The platform supports a wide range of teams and stages, with the strongest usage among underwriting and processing roles. This breadth shows how income analysis can support professionals at different points in a file’s development—from evaluating an initial scenario to preparing and reviewing the information needed for a decision.
From Early Qualification to Final Review
BluePrint IncomeXpert is used in multiple stages across the lending lifecycle.
More Efficient Analysis and Easier Collaboration
Lenders see measurable gains in speed, accuracy, and teamwork.
Moving Beyond Manual Calculations
Say BluePrint makes income analysis more efficient and accurate—reducing reliance on manual calculations and improving consistency.
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%
Less Time Per File
Say BluePrint reduces the time spent analyzing income per loan file—freeing up capacity and accelerating turn time.
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%
The ability to add numerous previous employers to the current employer and average the many different types of variable income is a great time saver.
Less Time Per File
Say BluePrint improves collaboration by reducing back-and-forth between loan officers, processors, and underwriters—keeping deals moving forward.
0
%
Automated Efficiency. Expert Control.
Flexibility Supports Professional Judgment
Most respondents agree automation should support their expertise without taking control away.
rate it as very or extremely important that they can adjust or override automated outputs.
0
%
say it’s extremely important.
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%
Keeping control of the file is important to me as an Underwriter.
Greater Confidence Through Transparency
Seeing the Math Builds Trust
Seeing the math and transparency earn trust
0
%+
Feel more confident numbers hold up in audit or QC review
0
%
Confidence in Audit and Quality-Control Review
More than 70% of respondents identify seeing the math and transparency as a factor that earns their trust in IncomeXpert’s numbers, while 82% agree or strongly agree that they feel more confident the numbers will hold up in an audit or QC review.
Clear calculation steps help professionals understand the result, explain it to colleagues, and support their income decisions.
Strong Willingness to Recommend
A strong majority of customers are enthusiastic about IncomeXpert. Nine in ten (90%) give a recommendation score of 7–10, including 60% who are highly likely to recommend (9–10).
IncomeXpert’s Net Promoter Score of +50 reflects outstanding customer advocacy and loyalty.
BluePrint 2026 Customer Survey Results
IncomeXpert’s Net Promoter Score:
+
0
In Their Own Words
Anonymous Customer Perspectives
It’s easy to use, covers virtually all scenarios and produces clean report.
Uniformity, accuracy, and confidence in the calculations.
IncomeXpert has not only simplified self-employed income analysis, it has also clarified the underlying rules and calculation process.
The ability to add numerous previous employers to the current employer and average the many different types of variable income is great time saver.
It’s the best, overall income tool that I’ve seen.
I have been very pleased with the program and the support of BluePrint.
Bring Greater Confidence to Your Income Analysis
Consistency across complex income reviews builds confidence. BluePrint helps lenders evaluate with clarity and accuracy—so decisions are stronger, outcomes are more predictable, and customers feel supported.
Diverse borrower scenarios
From W-2s to self-employed, gig workers, and multi-business owners, you can evaluate a wide range of incomes with greater confidence.
Easier collaboration
Reduce back-and-forth with clear documentation and shared visibility across teams.
Across organizations
From community banks to credit unions and mortgage lenders, BluePrint adapts to how you work.
Across roles
From underwriters and processors to auditors, managers, and executives, every role gets the insights they need.
Across lending products
Apply consistent income analysis acrossmortgage, home equity, consumer, and small business lending.
Across workflow stages
Engage earlier, evaluate faster, and close with confidence.
+50 Net Promoter Score
IncomXpert earns a strong +50 NPS from lenders who rely on it every day.
About the Survey
BluePrint’s 2026 Customer Survey captured feedback from 53 respondent records in September 2026. Rounded percentages reported below may not sum to 100%. Multiple selection questions: Percentages may total more than 100%. Net Promoter Score: Based on 40 responses to the recommendation question. Reported experiences reflect respondents’ perspectives.
Discover how BluePrint’s IncomeXpert can support your team’s income analysis.
Request a demo to explore your workflows, lending products, and borrower scenarios.