IncomeXpert workflow controls
Most income analysis tools are a black box — documents in, a number out. IncomeXpert gives your team workflow controls built for the real nuances of underwriting and the loan lifecycle.
Permissions available
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Unique Controls
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Extra cost for SSO or MFA
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Change tracking
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Workflow Controls For Loan Lifecycle
Originate
Sales and loan officers work the file with exactly the permissions you've assigned them. Nothing more, nothing less.
Lock
The moment a file moves to underwriting, Lock for Underwriting can seal the income analysis, so sales can no longer edit it — intentionally or by accident.
Deviate
Only users with Adjust Selected Income permission can move off IncomeXpert's recommended income, and every deviation is flagged the moment it happens.
Review
Leadership sees deviation risk and branch-level volume through User Groups and reporting, without waiting on someone to compile a spreadsheet.
Audit
The Change Log captures every edit, from the moment the file was created, down to the field level, forever.
What You Get
Lock for Underwriting
Once a file moves to underwriting, sales shouldn't be able to touch the income analysis. Lock for Underwriting is a dedicated mode only underwriters can enable, sealing the analysis the moment it matters most.
Adjust Selected Income
Deviating from IncomeXpert's recommended income is sometimes the right call — but it shouldn't be everyone's call. Adjust Selected Income is a dedicated permission, so the authority to deviate sits only with the people your organization has actually authorized.
Role-Based Access Control
Your org chart isn't generic, so your permissions shouldn't be either. IncomeXpert's RBAC system covers more than two dozen individual permissions, and you can build as many roles as your business needs — not just the ones we assumed you'd want.
SSO & MFA
Secure access without adding friction. Single sign-on and multi-factor authentication come standard, so your team logs in the way the rest of your stack already expects.
User Groups
Arrange users into groups that mirror how you actually run the business — by branch, by team, by channel. Want to know what volume a branch did last month? Pull the usage report for that group.
Change Log
Every edit to a loan file, tracked from the moment it was created — who changed it, when, and exactly what changed, down to the field level. Nothing about a file's history is ever a guess.
Employee Loan Controls
Employee loans need a different level of privacy than everyday files. RBAC lets you restrict review of employee loans to only the people your policy says should see them, without a separate system or a manual workaround.
Income Deviation Flag
When an underwriter deviates from IncomeXpert's recommended income, the loan and the income are automatically flagged. Leadership gets an at-a-glance view of exactly where rep and warrant liability has shifted — no spreadsheet required.
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
Only users with underwriting-level permissions can enable or release the lock — sales and origination roles never have that authority, by design.
Yes. IncomeXpert ships with a standard set of roles, but you can create as many custom roles as your organization needs, built from more than two dozen individual permissions.
Yes. Every modification to a loan file — additions, edits, and deletions — is tracked from the moment the file is created, at the field level.
When an underwriter selects an income other than IncomeXpert’s recommendation, the loan and the specific income are automatically marked as deviated, so leadership can see at a glance where rep and warrant liability has shifted.
This change doesn’t alter the income, it only decorates the loan so it is easier to identify, and shows which incomes in the loan were deviated.
Yes. Employee loans can be restricted to a designated role or group, so only the people your policy authorizes can review them.
This is controlled via our RBAC system.
SSO and MFA are available standard on every account. You can require them organization-wide or configure them per role, depending on your security policy.
Accounts can use username/password with or without MFA. MFA can be enabled globally or just on select users.