Stop calculating income manually. Accurate income verification in minutes.
Ocrolus automates income verification and analysis across all borrower types — W-2, 1099, self-employed and gig. Cut underwriter time on income from 45 minutes to under 10, with calculations your team can trust.
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Tech-forward mortgage lenders automate income analysis with Ocrolus
Manual income review is your underwriting bottleneck
Mortgage underwriters spend 30 to 45 minutes per file calculating income before they can start the actual credit review. For self-employed and non-traditional borrowers, that number climbs closer to an hour. Every minute spent in spreadsheets is a minute not spent closing loans.
Powering faster, more accurate income decisions
AI-powered automated income calculations
Ocrolus analyzes W-2s, pay stubs, 1099s, tax returns and bank statements during setup. By the time the file hits the underwriting queue, the income worksheet is complete. Underwriters confirm rather than calculate.
Coverage across every borrower type
Most income tools handle W-2s. Ocrolus handles the hard ones: self-employed borrowers, gig workers, 1099 contractors, rental income and mixed-income files. One platform, consistent methodology, every file.
Audit-ready calculations with a full evidence trail
Every income figure Ocrolus produces is linked to the source document. Underwriters see exactly what was calculated and why. Secondary market reviewers get a transparent, condition-ready record.
Built for your existing workflow
LOS integration
Seamless, native integration with Encompass® by ICE Mortgage Technology. Income is calculated inside the platform your team already works in.
99%+ accuracy
Human-in-the-loop verification means every calculation is checked, not just AI-generated. Accuracy you can defend on audit.
Freddie Mac and Fannie Mae eligible
GSE-integrated income analysis you can depend on. Representation and warranty relief on qualifying loans.
Get accurate income analysis on every file without the manual work.
"With Ocrolus, we’ve taken income review from 30 to 45 minutes to less than 10."
"Ocrolus scans documents from complex self-employed income reviews and gives me an income figure. It's wonderful. It takes me from 1 hour down to maybe 5 or 10 minutes."
"If you want to bring consistency with an added value of efficiency gain by minimizing manual processes and keystrokes from several hundred to fewer than 100 per mortgage loan, Ocrolus' products and services are designed to meet those needs."
