customer stories
GoodLeap builds a foundation for accurate and efficient income analysis with Ocrolus
Mortgage | Classify & Analyze
Customer Stories
GoodLeap builds a foundation for accurate and efficient income analysis with Ocrolus
Mortgage | Classify & Analyze
GoodLeap is a tech company delivering best-in-class financing and software products for sustainable solutions. As loan volumes and document complexity increased, GoodLeap sought a more consistent and efficient way to calculate income and manage borrower documentation across its underwriting workflows.
To support its underwriting teams and modernize the user experience, GoodLeap partnered with Ocrolus, an AI-powered workflow and analytics platform, to automate document classification and income analysis while preserving underwriter oversight.
Challenge
Manual income calculation and document handling slowed underwriting and introduced risk.
Solution
GoodLeap implemented Ocrolus, an AI-powered workflow and analytics platform, to automate income calculation and document classification within Encompass®.
Result
GoodLeap reduced manual effort and strengthened confidence in income accuracy while laying the groundwork for measurable efficiency gains.
Challenge: Manual processes strained underwriting workflows
Before adopting Ocrolus, GoodLeap relied on manual processes to calculate borrower income and manage incoming documentation. Underwriters were responsible for entering data into agency-style calculators and validating results themselves, which increased review time and introduced opportunities for inconsistency.
“As an underwriter, you would obtain the income documentation, pull up an approved calculator and manually input all the data,” said Teresa Vu, Vice President of Underwriting at GoodLeap. “It took time and introduced unnecessary risk.”
Document handling added another layer of friction. Income documents were manually aliased and placed into the correct Encompass® placeholders, slowing the file before underwriting even began.
Solution: AI-powered income calculation and document classification
GoodLeap implemented Ocrolus to automate income calculation and document classification while maintaining underwriter control.
Ocrolus reads borrower documents, captures key data and executes income calculations automatically, allowing underwriters to focus on validating results rather than repetitive data entry.
“Ocrolus removes the need for underwriters to input the data themselves,” Vu said. “It reads the documents, performs the calculations and presents everything clearly for review.”
GoodLeap also utilizes Ocrolus’ capability to automatically recognize and map income documents into Encompass®, eliminating manual aliasing and ensuring consistent file setup across teams.
From a product and technology perspective, Ocrolus aligned closely with GoodLeap’s AI modernization goals. “Ocrolus is not doing AI for AI’s sake,” said Jacob Clevinger, Senior Product Manager at GoodLeap. “It applies automation where it should and really helps move the experience forward for our users.”
Result: More consistency and confidence in income analysis
As GoodLeap scales its use of Ocrolus, teams are already seeing workflow improvements that reduce manual effort and increase confidence in income accuracy.
Early impact includes:
- Removal of manual income data entry for underwriters, making their team more efficient
- Automated capture and calculation of income data from borrower documents, supporting more standardized analysis
- More consistent processes for how income is calculated and reviewed, helping align decisions across teams
- Greater confidence in fair and defensible credit decision-making, supported by clearer calculation outputs
Accurate income calculation plays a critical role in fair lending, Vu noted. “When income is calculated incorrectly, borrowers can be overqualified or underqualified. Automating that process helps support fair credit decision-making.”
Why GoodLeap recommends Ocrolus
GoodLeap values Ocrolus for its focus on accuracy, thoughtful application of vertical AI for lenders and ability to integrate smoothly into existing lending workflows.
“For underwriting, accuracy is everything,” Vu said. “Ocrolus helps us reduce errors and supports more consistent decisions for our borrowers.”
From a technology standpoint, Clevinger emphasized that Ocrolus fits well within GoodLeap’s environment. “The programmability and the way it fits into our workflows made implementation straightforward,” he said. “It integrates really nicely into the Encompass® ecosystem.”
With Ocrolus, GoodLeap is strengthening the accuracy and consistency of its underwriting workflows while building a scalable foundation for future growth.
“Ocrolus fits really nicely into the Encompass® ecosystem and supports the way we want our users to experience the platform. I’d encourage lenders on Encompass® and even those who aren’t to consider it.”
Jacob Clevinger, Senior Product Manager at GoodLeap
