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Mortgage Document Automation For Managers

Innovative mortgage document processing technologies are changing how lending organizations manage their business operations to reduce risk, enhance loan origination processes, and empower their underwriting teams using modern AI-driven solutions. 

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No Income Errors

Help your team, and stop making guideline errors, income calculation errors, and data entry errors.

Whatever your error rate is now, we bet we can reduce it further.  Industry surveys indicate income accounts for 23% of all loan errors.

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Reps and Warrants

Shift the risk from your company, to ours.  We provide full reps and warrants on income analysis.  Learn More.

We are integrated with Fannie Mae Income Calculator, so you can also get reps and warrants from FNMA for some income types.

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Lower Labor Cost

Typical clients achieve a 2x or 3x reduction in time spent determining income after adopting IncomeXpert.  

IncomeXpert PLUS users achieve even greater reduction.  Our best clients are spending under 3 minutes on income analysis.

Automate First

Help your team go faster with automation that compliments them, not replaces them.  IncomeXpert and IncomeXpert PLUS are designed to be compliments to your LO, Processor, and Underwriter.  Eliminate time wasted on data entry and transcription, and time spent manually calculating income.  Eliminate time wasted arguing over income and guideline rules.  Blueprint can transform your workflows and make your LO happy with fast income analysis, and make your underwriting team happy  with guideline advisories, and risk controls to let them adjust and override where it is prudent to do so.

Reps and Warrants

Shift the risk from your company, to ours.  We provide full reps and warrants on income analysis, guideline compliance, and data entry errors.  Learn More.

We are integrated with Fannie Mae Income Calculator, so you can also get reps and warrants from FNMA for some income types.

Lower Labor Cost

Typical clients achieve a 2x or 3x reduction in time spent determining income after adopting IncomeXpert.  

 

IncomeXpert PLUS users achieve even greater reduction.  Our best clients are spending under 3 minutes on income analysis.

We solve income errors two different ways.

IncomeXpert

IncomeXpert is a complete income analysis solution for brokerages, credit unions, community banks, and national lenders.

With IncomeXpert, users get assurance of no guideline or calculation errors. Your users enter data into IncomeXpert manually following our easy to follow income worksheets, prompts, and pop ups. This is a cost effective option for many teams.

  • NO guideline errors
  • NO calculation errors
  • Manual data entry
SHOW ME INCOMEXPERT

IncomeXpert PLUS

IncomeXpert PLUS layers on additional error reduction and convenience by using artificial intelligence on OCR to perform data entry.

Upload tax returns, paystubs, and VOEs and our software scans the uploaded documents, identifies what is present and identifies missing tax forms, enters the data into the loan file, and determines the recommended income automatically.

  • NO guideline errors
  • NO calculation errors
  • NO data entry errors
SHOW ME INCOMEXPERT PLUS

Automate Mortgage Documents Easily

Stop Manual Errors & Ensure Accuracy

Manually processing mortgage documentation is arduous for any lending team and can result in costly errors that hamper loan approvals. Many lending organizations quickly realize improved success when they employ Blueprint’s mortgage document automation solutions, which leverage OCR (Optical Character Recognition) and artificial intelligence (AI) to extract critical data quickly and accurately.  

This approach enables the careful verification of information across multiple documents to ensure there are no mistakes while automatically highlighting inconsistencies and flagging potential compliance issues that could lead to loan repurchasing scenarios.

Speed up Loan Approvals with AI

Conventional loan origination relies on human analysis and manual processes, which can be slow, biased, and subject to human errors. Conversely, automated mortgage document processing approaches are AI-driven, which leverage data and practical algorithms to optimize loan applications and result in faster, more accurate decision-making for lenders. Mortgage document automation technology enables businesses to automate manual processes, identify potential issues and offer suggestions to overcome them, thus speeding up the entire process.

How We Are Different

Built for Workflows

Our mortgage document automation platform offers clear workflows that quickly integrate into your existing systems. It also facilitates an easy transition from manual to automated mortgage document processing, while advanced API connections and LOS integrations allow for real-time data synchronization to create a unified operational environment. 

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Advisories To Stay Ahead of Guidelines

Regulations governing the mortgage sector continually evolve, which poses several compliance challenges for lending organizations. Our AI mortgage document processing platform offers compliance advisories and to ensure underwriting teams stay abreast of any changes to industry guidelines, thus minimizing the risk of non-compliant lending practices. 

Full Reps & Warrants

Our mortgage document automation system implements stringent verification protocols to ensure compliance and protect your lending organization’s financial interests. We ensure accuracy and reliability by meticulously checking and verifying all loan documentation to create a detailed audit trail. Blueprint backs our work with reps and warrants on our income calculations, guideline compliance, and data entry.

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Human guided Automation

Blueprint’s mortgage document processing platform facilitates AI-driven solutions with necessary human intervention for a two-pronged approach to ensure accurate and compliant decision-making. Our comprehensive system flags potential discrepancies, which experienced underwriters can then review to maintain attention to detail while keeping the entire process workflow smooth. 

Ready to request a demo with BluePrint today?

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Stop the Battles

As a manager you end up being on the front line of arguments between team members.  IncomeXpert quells those battles three different ways.

First, we are workflow based.  That means early in the loan lifespan sales can enter data and prep the loan file.  Later, when the loan is handed off to underwriting the loan is locked for non-underwriters.

IncomeXpert has a role manager which gives you power to adjust what each user can see and edit.

Second, we track all changes to the loan file and make the change log visible to all users.  No more sneaky changes that nobody knows how they got there.

Lastly, we have fully documented income analysis.  What does that mean?  We show HOW we arrived at the final income, we show the intermediate calculations, trending analysis, and advisories that shape how the final income was determined.  This significantly cuts down on battles over income.

Accelerate Automation

IncomeXpert works while your team sleeps.  Our software can scan and analyze income documents as soon as they come available from your borrower.  Completed income analysis can be ready for your team to review when they arrive in the morning.  Learn More

Eliminate Risk

IncomeXpert shifts the risk out of your lap, and onto ours.  Through our Reps and Warrants, as well as Fannie Mae Income Calculator, you can remove the risk of income repurchase demands from your organization.

IncomeXpert and FNMA Income Calculator both offer reps and warrants on the income calculations.  However IncomeXpert goes further, and offers reps and warrants on guideline compliance and data entry.  Additionally IncomeXpert provides reps and warrants for all income on the loan file, where FNMA Income Calculator only provides reps and warrants for selected income types.  Learn More.

 

Lender Guide to Reps and Warrants

Did you know many lenders have blind spots regarding their rep and warrant coverage? We created a checklist for you to demystify what you should specifically ask from your vendors to ensure you have the best reps and warrants.  Click the button below to get the report.

Lender Guide to Reps & Warrants

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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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Frequently Asked Questions

Mortgage document automation leverages artificial intelligence and optical character recognition (OCR) to extract, validate, and organize critical data from mortgage-related documentation. This approach allows underwriting teams to make more accurate lending decisions while maintaining compliance. It eliminates human error potential and manual data entry while speeding up loan origination processes by turning physical and digital documentation into structured, actionable data. The advent of mortgage document processing technology has changed how lending organizations operate by replacing conventional workflows with innovative, data-driven approaches to eliminate administrative tasks for better outcomes.

Our AI mortgage document processing platform can precisely analyze various lending documents, such as income verification forms, pay stubs, loan applications, W-2 forms, 1099 forms, employment verification letters, etc. Blueprint’s mortgage document automation platform can process physical and digital documentation using mortgage OCR to extract critical information from complex multi-page documentation and offer comprehensive analysis and coverage for various lending scenarios. 

By automating mortgage document processing, lending organizations can eliminate human transcription errors and ensure accuracy with multiple verification layers to maintain compliance. Our AI-powered systems compare critical data from different documentation to reveal inconsistencies that conventional human review might have missed. Blueprint’s mortgage document automation follows predefined validation guidelines to comply with regulatory standards and internal lending norms. Our automated mortgage document processing solutions drastically reduce potential mistakes that could result in repurchase demands or compliance issues, thus allowing lending entities to remain reliable and trustworthy.    

Lending organizations can enhance their mortgage document processing capabilities by implementing artificial intelligence and optical character recognition (OCR) innovations that ensure accuracy and reliability. OCR technology can scan documents with different layouts, fonts, and images to convert them into machine-readable text. AI then deciphers this information using natural language processing to gain a better contextual understanding of the data. This technological cohesion allows for intelligent mortgage document processing that lets underwriting teams make better-informed decisions when managing complex mortgage documentation.    

Our mortgage document automation platform integrates with enterprise software (CRMS) and existing loan origination systems (LOS) using standard application programming interfaces (APIs) and configurable connectors. This approach minimizes disruptions to current workflows and allows for customizable rule sets that adapt to various organizational requirements. As our AI mortgage document procession solutions are compatible with multiple technological infrastructures, tech teams can configure data routing, facilitate information transfer, and automate notifications between various software environments. We secure the entire process with comprehensive security protocols prioritizing data protection and adhering to industry regulations with robust encryption and access control mechanisms to safeguard sensitive financial information.