IncomeXpert for consumer loans
IncomeXpert automates and guides income analysis for auto, personal, RV, boat, and motorcycle loans — using underwriting rules built from millions of loans and years of industry experience, so your team can approve with confidence on every application.
Underwriting advisories
0
+
Extra cost for reps & warrants
$
0
Years, zero buyback demands
0
For Loan Officers & Brokers
A fast, automated, defensible qualifying income to approve applications correctly the first time — whether it’s at the branch, the dealership, or online.
For Underwriting
Full authority to adjust and override, backed by advisories built on millions of loans and an audit trail that protects the file.
How IncomeXpert Works For Consumer
Upload
Tax returns, pay stubs, bank statements, W2. IncomeXpert reads each document individually, finds the information needed and creates income worksheets based on your borrower's data.
Calculate
IncomeXpert calculates qualifying income using our own rules engine — built from millions of loans and years of industry experience. We apply the best practices to arrive at a prudent qualifying income for all scenarios.
Advise
With over 200 underwriting advisories covering eligibility, stability, and income opportunities, IncomeXpert remembers all of the guidelines your team may forget.
Adjust
Some risk is acceptable, and IncomeXpert knows that. We give you the ability to deviate from our recommendation, and select a higher qualifying income. Your underwriting team doesn't lose control to take acceptable risk, where appropriate.
Finalize
Output a worksheet showing all the sources, calculations, advisories, and underwriting adjustments. Version controlled, and backed by a full field-level change log for audit purposes.
What You Get
Confidence
There's no FNMA or FHLMC guideline for auto, personal, RV, boat, or motorcycle loans — so IncomeXpert built its own, based on millions of loans and years of industry income-analysis experience. Your team gets a proven standard without waiting on an agency to define one. Full reps and warrants included at no additional cost.
One Qualifying Income
No matter who is working the file, you get the same qualifying income. Same inputs get you the same output. A new loan officer and a 20-year underwriting veteran land on the same number — whether it's an auto loan, a personal loan, or a boat loan.
Speed at Scale
Consumer borrowers expect an answer in minutes, not days. IncomeXpert can turn pay stubs, bank statements, and tax documents into a completed income analysis fast enough to keep pace with point-of-sale and indirect lending decisions.
Visibility
A complete audit trail for each field on the loan file is standard. Know what changed and when, so you never have to guess how something got changed, or who changed it. Each income analysis PDF report is versioned and time-stamped so you can track the latest analysis data.
Every Loan Type. Every Channel.
- Auto
- Personal
- RV
- Boat
- Motorcycle
- Direct
- Indirect / Dealer
- Point-of-Sale
Trusted by Lenders on Thousands of Loans a Month
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.
Frequently Asked Questions
IncomeXpert is built with controls in place so the entire team can use it. Sales and operations.
IncomeXpert is built for mortgage, consumer, and HELOC. We have a broad variety of lenders using IncomeXpert for a variety of lending scenarios where getting the income correct is essential.
When IncomeXpert says automated, this is where you the lender are uploading income documents to us for scanning. A guided review is where your team follows our web view to enter the income data for IncomeXpert to analyze. IncomeXpert guides the user as to what data to enter and any advisories that might arise.
IncomeXpert is software for lenders to equip their teams with the confidence and automation to calculate income for any scenario with confidence.
IncomeXpert’s advisories and calculations for consumer loans are built from millions of loans and years of industry income-analysis experience — the same rigor an agency guideline would give you, without waiting on one to be published.
IncomeXpert provides rep and warrant relief to our clients when you use our recommended income values — no agency dependency required. It’s part of every consumer loan analysis, not an add-on
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.