Start free trial

Assess debt capacity with mortgage payoff and transaction data

Use transaction-level data to identify liabilities and get a complete picture of any borrower’s debt obligations, including credit card, mortgage, and other loans.

Ocrolus performs deep transaction data enrichment based on a combination of industry knowledge and continuously evolving machine learning. Our ability to identify liabilities and calculate debt ratios gives lenders an in-depth understanding of their customers’ capacity to service new debt.

Determine ability to service credit based on liability data

Understand funding disbursements and loan repayments to other lenders to inform debt capacity and exposure calculations.

identify liabilities and determine the ability to service credit with Ocrolus

Identify questionable liabilities

Misclassification of liabilities can lead to disappointing lending results. Use Ocrolus-enabled balance sheet metrics to spot instances of irregular behavior or potential fraud.

By automatically flagging aberrant liability data and questionable activity,  reduce fraud losses while also managing the risk of losing business due to excess false positives.

identify liabilities that are questionable with Ocrolus

Manage credit risk using transaction data enrichment solutions

It’s crucial for lenders to make decisions with a complete and nuanced understanding of borrower financial dynamics. Detailed transaction data yields a much deeper picture of businesses and consumers than credit bureau data alone.

Using our  transaction data enrichment solution, understand the seasonality of cash flow, measure non-traditional income, assess debt capacity, and identify recurring transactions. Cash-flow-based risk models help lenders precisely predict the risk of default, increasing yields while expanding access to credit.

manage credit risk by assessing liabilities and transaction data with Ocrolus

Ready to go?

Learn how to quickly identify and calculate liabilities.

mortgage Ready to go
Blend logo – Ocrolus partner
bluevine dark
brex dark
crossriver dark
enova dark
lendingclub dark
paypal dark
sofi dark
Plaid logo – Ocrolus partner
sproutmortgage dark

We're enhancing the Blend platform with Ocrolus' automated, accurate document classification and data extraction capabilities. Our partnership with Ocrolus enables us to swiftly deliver time-saving innovations to our customers.”

– Jeff Braddock, Manager, Business Development