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Income Analysis Comparison

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IncomeXpert vs. Ocrolus

Blueprint and Ocrolus both serve the mortgage industry with income analysis capabilities, but their core strengths and product philosophies are quite different. Blueprint was purpose-built as an income analysis platform for mortgage lenders, while Ocrolus began as a document digitization tool and later added income calculation capabilities.

Below, we provide a side-by-side comparison of Ocrolus vs IncomeXpert to help you determine which platform better fits your goals, workflows, and operational needs.

Feature Comparison Table

Both platforms offer income analysis solutions, but they approach the problem from different starting points. IncomeXpert was built specifically for mortgage income analysis with comprehensive agency compliance, while Ocrolus evolved from document scanning technology. The table below highlights key differences in capabilities and coverage.

FEATUREIncomeXpertOcrolus
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 incomeLIMITED
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 complianceUNCLEAR
Reps and warrants on data extraction from scanningADDITIONAL 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

What is the Difference Between IncomeXpert and Ocrolus?

IncomeXpert is built around flexibility—giving lenders the power to decide how and when to use automation on a loan-by-loan basis. You can choose a guided approach, where your team enters the data directly for maximum transparency, or a fully automated approach, where we scan and calculate everything for you. The choice is yours.

Just as importantly, IncomeXpert was designed for collaboration across the entire lending team. Loan officers, processors, and underwriters each get the right level of access and income calculation tools based on their role—so you stay in control of both the process and the ability to adjust for risk.

Ocrolus, by contrast, only provides an automated scanning solution. There is no option for a guided workflow or role-based controls—meaning less flexibility for your team and fewer ways to tailor the process to your business.

Comprehensive Agency Coverage

IncomeXpert provides complete support for all five major agencies (FNMA, FHLMC, FHA, VA, and USDA) with every income type covered per agency guidelines. Our platform includes over 200 automated income advisories that keep underwriters ahead of guideline changes, ensuring compliance across all loan scenarios.

Ocrolus offers basic agency support but with limited coverage for complex income scenarios and supporting calculations like trending analysis, liquidity assessments, and residual income calculations that are essential for comprehensive underwriting.

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Complete Reps & Warrants

IncomeXpert provides comprehensive representations and warranties coverage on income calculations, guideline compliance, and data extraction. Our 12+ year track record includes never having a repurchase demand, giving lenders confidence in every calculation.

Ocrolus offers basic reps and warrants on calculations, but coverage for guideline compliance is unclear, and data extraction warranties come at additional cost, potentially leaving gaps in protection or significantly increasing your cost.

Enterprise Grade User Management

IncomeXpert includes sophisticated role-based permissions and workflow controls that limit access based on loan lifecycle stages. Only authorized underwriters can override recommended calculations, maintaining compliance and accountability throughout the process.

Ocrolus provides basic role controls but lacks advanced workflow management features that ensure proper oversight and compliance during different stages of the underwriting process.

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Testimonial

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!
Christie H,
Christie H, Freedom Mortgage
It’s a great product, and provides so much relief in underwriting.
William C,
William C, JC Bank
User Friendly, And graphical representation make simple to understand.
Anil A,
Anil A, American Heritage
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!
Jean M,
Jean M, Heritage Bank
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.
Samad S,
Samad S, Better Mortgage
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.
David R,
David R, East West Bank
Very helpful additional information to maneuver through the steps of income calculations.
SheliaState Employees' Credit Union
The tools that Blueprint provides make calculating all types of income easy and efficent. There are alerts when there are items that needs to be addressed/reviewed along with helpful reminders. Saves me so much time using Blueprint!
JeniVillage Capital
We have been using the software for about 2 years and it has been the best income calculation tool we have ever used. Not only has it been extremely valuable to our underwriting staff, but it has given our processors and loan officers an additional resource to assist on the sales end of the transaction.
KevinGold Star Mortgage
Great company and best of all they understand income.
MarkCEO - Mortgage 1
BluePrint has been a huge asset to our organization; especially with the ongoing transition to secondary market. This tool has helped align our current income policies to what’s required in the secondary market, while giving the opportunity to staff at learning something different and gaining this additional knowledge
KendraState Employees Credit Union
BluePrint offers ultimate ease of income calculation and analysis. The output is most reliable and industry acceptable.
KanishkaInstaMortgage

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IncomeXpert was purpose-built specifically for mortgage income analysis with comprehensive agency compliance and flexible workflows. Ocrolus originated as document digitization software and later added income calculation capabilities, resulting in a scanning-focused approach with limited workflow flexibility.

Ocrolus starts by scanning every document in your e-folder and performs income analysis on the income related documents.  This sounds attractive, but it leads to increased cost since you are paying per-page with Ocrolus.  Many loans don’t require everything to be scanned, nor do you get the ability to opt out of the scanning automation on a loan by loan basis.

IncomeXpert is priced on a per-loan basis, so you only pay for what you use.  Additionally IncomeXpert allows you to choose where you want to save cost and use a guided income worksheet versus using a fully automated workflow.  Users can make this decision on a loan by loan basis to optimize costs.

Ocrolus doesn’t offer a guided income worksheet, as all documents must be scanned to get an income analysis.  This leads to a higher overall cost per loan file, especially when reps and warrants on data extraction is factored in.

IncomeXpert provides complete support for all five major agencies with every income type covered per guidelines, plus over 200 automated compliance advisories. Ocrolus offers basic agency support but with limited coverage for complex scenarios and supporting calculations required for comprehensive compliance.

IncomeXpert provides income opportunity alerts to guide you to possible additional income for your borrower. Additionally IncomeXpert alerts you to hundreds of potential issues to keep you compliant and avoid a buyback.  Ocrolus has a handful of basic advisories and alerts to guide the user of potential compliance issues.

IncomeXpert provides comprehensive reps and warrants on calculations, guideline compliance, and data extraction with a 12+ year track record of zero repurchase demands. This is included in every loan, all for the same price.

Ocrolus offers basic coverage on calculations and data extraction warranties cost extra.

IncomeXpert supports both guided worksheets and automated document scanning within the same platform, letting teams choose the best approach for each loan.

Ocrolus primarily requires document uploads for scanning-based analysis, lacking guided manual worksheet capabilities for cost-effective processing.

IncomeXpert includes advanced role-based permissions and loan lifecycle controls that restrict access based on loan stages and user responsibilities. Ocrolus provides basic role controls but lacks sophisticated workflow management features for maintaining proper oversight and compliance throughout underwriting.

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.

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