IncomeXpert vs. Ocrolus
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 Ocrolus both serve the mortgage industry and share some overlapping capabilities—but their core strengths and product philosophies are quite different. Blueprint was purpose-built as an income analysis platform for mortgage lenders. Ocrolus began as a document digitization tool and later added income calculation capabilities.
That foundational difference shows up in the products themselves. In the sections below, we’ll help you determine which platform is the better fit based on your goals, workflows, and operational needs.
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
IncomeXpert vs. Ocrolus Comparison
| FEATURE | IncomeXpert | Ocrolus |
|---|---|---|
| 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 | | LIMITED |
| 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 | | ADDITIONAL COST |
| 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 | | |
| Encompass LOS integration | | |
Choose Ocrolus if...
- Your primary goal is document digitization across a wide variety of mortgage documents
- You do not need comprehensive reps and warrants for calculations, compliance, and data extraction.
- You’re seeking a scanning-first platform and plan to pair it with other underwriting tools
Choose IncomeXpert if...
- You want a flexible income solution that allows you to control costs and only use scanning and upload where you need it
- 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 more than calculations, and want detailed advisories on compliance and income opportunities for your borrower