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IncomeGenius®

Simplifying income analysis

Automate, expedite, and simplify borrower income analysis in the early stages of the mortgage loan process

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IncomeGenius
Simplifying income analysis

Simplify income calculations for your most unique customers

More and more borrowers are choosing self-employment, creating a growing need for flexible, accurate income analysis. IncomeGenius is a powerful tool designed for both wage earners and self-employed borrowers, automating income calculations to deliver a consistent experience and faster response times across all your home loan customers. IncomeGenius:

  • Identifies and analyzes data and documents in record time
  • Simplifies document-heavy, complex mortgage income analysis
  • Verifies a complete loan file and flags missing data
  • Meets compliance requirements and provides an audit trail
  • Enables a consistent and fast borrower experience

From our customers

  • IncomeGenius gives our underwriters a decisive edge, streamlining the process with precise, fast calculations—often the difference in a customer's loan qualification and approval. IncomeGenius also flags errors in real-time, enabling swift corrections and proactive coaching —elevating our underwriting process with the perfect blend of technology and human expertise. This combination of efficiency, accuracy, and staff development is a great way to enhance both client experience and operational excellence.
    Joseph Thompson Underwriting Manager Primis Mortgage
IncomeGenius

Income analysis so simple, it’s genius

IncomeGenius is a web-based, role-based automation solution that integrates with several top Loan Origination Systems (LOS). IncomeGenius’ machine-learning algorithm and proprietary mortgage document reading technology recognize and extract data from an extensive range of mortgage document types, delivering an unparalleled scope of mortgage income analysis that other income tools can’t deliver. Using IncomeGenius is easy. Once you retrieve the borrower’s documents from the Point-of-Sale (POS), IncomeGenius then:

  • Selects the required documents based on the type of analysis
  • Analyzes extensive mortgage data and documents beyond the traditional paystubs
  • Calculates borrower income and delivers a thorough analysis
  • Delivers results to your LOS and via email upon completion
  • Provides a consolidated view of data and documents supporting the analysis

The IncomeGenius difference

  • Capture market share

    With IncomeGenius, you don’t need to turn away business from independent contractors, freelancers, or rental managers with unique proof of income

  • Simplify complex income analysis

    IncomeGenius’ algorithms imitate the actions of a human-based analysis allowing you to simplify the most cumbersome tasks related to income analysis

  • Improve the borrower experience

    IncomeGenius integrates with leading loan origination systems to accelerate income analysis, streamline results, and expedite borrower response times

  • Save time

    When the income analysis is done earlier in the loan cycle, underwriters save time on income calculations – allowing them to review more loans in less time

  • Reduce risk

    Using standardized rules and algorithms, IncomeGenius offers a consistent analysis reducing risks related to manual inputs, calculation errors, and fair lending

  • Ensure compliance

    IncomeGenius is compliant with audit requirements and provides a complete audit trail, providing you with a source of truth and documentary evidence of the process

IncomeGenius by the numbers

reduction in time to complete income calculation
60%
increase in underwriter productivity
2x
compliance requirements met and supported
100%

Ready to schedule a demo of IncomeGenius®?

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