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IncomeGenius®

Simplifying income analysis with AI-infused technology

AI-infused income calculation technology that automates, expedites, and simplifies borrower income analysis in mortgage lending.
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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, leveraging AI and automation to deliver trusted income calculations, 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
  • Utilizes AI for comprehensive data integrity checks

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

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
IncomeGenius

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
0 %
increase in underwriter productivity
0 x
compliance requirements met and supported
0 %

FAQs

What types of income calculation are supported through IncomeGenius?
Income derived from tax returns. This includes self-employment income, rental income, social security, capital gains, interest and dividends, farming, and pension.
What types of worksheets are supported?
IncomeGenius generates industry-accepted worksheets that support conventional and/or FHA loans.
What roles can use IncomeGenius?
IncomeGenius can be used by loan officers, loan processors, underwriters, quality control teams, and more.
Can I see what changes have been made to a calculation?
Yes. IncomeGenius is extremely transparent, and all changes to the transaction are tracked.
How can I be confident in the calculations?
IncomeGenius is backed by the Indecomm Promise. We have a high degree of confidence in our calculations and want you to feel the same way.
What integrations are supported?
We have out-of-the-box integrations with industry-leading loan origination systems such as Encompass and MeridianLink Mortgage. You can also use IncomeGenius directly via the web, or we are happy to talk to you about other integrations.
How can I see where IncomeGenius got the calculation?
We have an integrated image viewer and GlassBox technology to show you exactly what form or field produced a value.

Ready to schedule a demo of IncomeGenius®?

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The Indecomm Promise

We rigorously test our products and guarantee their efficacy, ensuring each product meets and exceeds business and industry expectations. The Indecomm Promise covers GeniusWorks, DecisionGenius, and IncomeGenius. Contact us to learn more about reps and warrants.
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