IncomeXpert vs. LoanBeam
Our goal is a factual side by side comparison to let clients make the best decision for their company. This information was compiled using publicly available information. If any information is incorrect please contact us at info@getblueprint.io and we will be happy to correct it.
Which tool is right for you?
Blueprint and LoanBeam both offer income analysis solutions for the mortgage industry, but they approach the problem from different starting points. Blueprint was built from the ground up as an income analysis platform tailored specifically to the needs of mortgage lenders. LoanBeam, originally developed as an extension of a tax preparation software company, began with a focus on document scanning and data extraction.
These foundational differences are reflected in each product’s design philosophy, workflows, and the way income reports are generated. In the sections below, we’ll explore how the two platforms compare—so you can choose the one that best aligns with your operational needs and business objectives.
IncomeXpert - Error free income analysis
Founded in 2013, Blueprint has established itself as a leader in income analysis with a focus on mortgage automation. Its flagship product, IncomeXpert, empowers lenders to reduce manual effort, eliminate errors, and support every income scenario across agency guidelines.
With support for both scanned documents and manually entered data, seamless Encompass LOS integration, and robust APIs for custom automation, IncomeXpert is designed to be the single source of truth for income analysis. If you’re looking to replace a patchwork of tools with a single, reliable solution, IncomeXpert is a compelling choice.
Lenders choose IncomeXpert for its:
- Comprehensive income coverage, including all income types recognized by agencies
- Deep automation and error-reduction capabilities
- Clear and actionable underwriting advisories
- Workflow-aware design tailored for the full loan lifecycle
- Industry-leading reps and warrants coverage
Blueprint vs. LoanBeam Comparison
| FEATURE | IncomeXpert | LoanBeam |
|---|---|---|
| Supports all five major agencies (FNMA, FHLMC, FHA, VA, and USDA) |  | |
| Supports all income types per agency guidelines | |  |
| Document upload, scanning, and automated income analysis capability | | |
| Manual income analysis worksheets. Save money by not uploading documents | | |
| Manual override and live editing of data | | |
| Document scanning quality assurance | Dual-redundant scanning with human-in-the-loop arbitration | Single-pass scanning, human-in-the-loop available at additional cost |
| Supporting calculations: trending, liquidity, cash flow, and residual income | | |
| Underwriting compliance advisories | Over 200 advisories | Less than 30 |
| Income opportunities advisories for maximizing borrower income | | |
| Reps and warrants on income calculations | | |
| Reps and warrants on guideline compliance | | UNCLEAR |
| Reps and warrants on data extraction from scanning | | UNCLEAR |
| Role-based access controls | | |
| Worflow and loan lifecycle controls. Limits access to certain roles at different stages of the loan (i.e underwriting) | | |
| Full change log and audit history | | UNCLEAR |
| Encompass LOS integration | | |
Choose LoanBeam if ...
- You don’t need team-based or workflow-first functionality
- You’re comfortable using multiple tools for income analysis and only need coverage for tax and wage-based income
- You’re seeking a scanning-first platform and plan to pair it with other underwriting tools
Choose IncomeXpert if ...
- You want a complete income solution that covers all scenarios without relying on multiple tools
- You need software that supports team workflows and lifecycle management from origination to underwriting
- You’re looking for maximum reps and warrants protection on income, compliance, and data integrity
- You want to control costs by leveraging manual and automated income analysis using a single tool