Showing the math: a clearer way to calculate qualifying income
IncomeAI turns income documents into a qualifying income calculation your team can follow, with every figure linked to its source.
- Product
- IncomeAI™
- Type
- AI Income Analysis
- Status
- Live
- Reading time
- 3 min read
Inside the Genius platform
Qualifying income sits near the center of almost every mortgage decision, and calculating it is still slow, careful work. IncomeAI™, now live as part of Genius, is built to make that work less manual and easier to check. It reads the documents, does the math, and shows how it got there, so the people reviewing the file can see the reasoning as well as the result.
01Income analysis still runs on spreadsheets
In many mortgage operations, income worksheets are rebuilt file after file, one cell at a time. Averages, trends, and adjustments are worked out by hand and then checked again. Every income type has its own guidelines, and different reviewers can read them a little differently. Paystubs, W-2s, and tax returns are read line by line to find the handful of numbers that matter, and the reasoning behind the final figure is not always easy for the next person to follow.
02From documents to a reviewable answer
IncomeAI turns borrower income documentation into calculated, reviewable qualifying income. A team uploads paystubs, W-2s, tax returns, bank statements, and other income documents, and each one is classified while every income stream in the file is identified and organized. IncomeAI then applies averages, trends, and adjustments to each stream with the math shown, and produces an income analysis report with sources, calculations, and review flags. It is designed for salary and hourly wages, bonus, overtime, commissions, self-employed income, rental, retirement, military pay, and bank statement income.
03What changes for each role
Loan officers can know qualifying income early and structure the loan with real numbers before the file moves. Processors can stop rebuilding the worksheet, because documents are organized and income is calculated. Underwriters review the math rather than the rekeying: every figure links back to the document it came from, and items that need judgment, such as declining income, are flagged for a closer look. IncomeAI shows its work, but it does not make the decision; the team reviews the calculation and decides.
04A first step toward the wider platform
IncomeAI is the first step toward the larger goal of the Genius platform: one connected mortgage system from the first conversation to capital markets, with a CRM, point-of-sale, loan origination system, and pricing engine to follow. It is also built to stand on its own. Pricing is usage-based at $20 per income report, with no platform plan required and nothing to install. A team can bring it into the next complex file, and every report it produces stays tied to the documents behind it.
What it does
Different documents, one view
Brings paystubs, W-2s, tax returns, bank statements, and K-1s into a consistent income review.
Built for complex income
Works through self-employed income, Schedule C, K-1s, and business returns with the supporting details in view.
Every figure sourced
Each number links back to the document it came from, with a breakdown of the inputs, averages, trend, and result. Where supported, calculations cite the agency guideline they follow.
Judgment stays with your team
Items that need a closer look are flagged for review. Your team reviews the calculation and makes the decision.
How it works
- 01
Bring the documents together
Upload paystubs, W-2s, tax returns, bank statements, and other income records for the borrower.
- 02
Let IncomeAI read and calculate
Documents are classified, income streams identified, and qualifying income calculated with averages, trends, and adjustments shown.
- 03
Review the report
Follow the calculation, check the sources and review flags, and resolve questions before the file moves forward.
Where things stand.
IncomeAI™ is part of the Genius platform. It is available today. Capabilities, availability, and timing described here may change. This article is for information only and is not a loan offer.
Part of the Genius platform
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