Income Analysis Across the Mortgage Lifecycle

Explore how Laminr supports originators, Third Party Review firms and investors working with bank statement income.

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One file, one calculation. The same eligible deposits, income divisor, expense ratio and ownership share are read by the originator, the review firm and the investor, so each handoff starts from the number the last team finished with.

01 Originators

Establish the income picture before the file moves forward.

Underwriting teams review transaction detail, investor rules and supporting information together in one bank statement income workflow.

Underwriting

Review Income with a Consistent Method

Bring transaction detail, investor rules and supporting information together for bank statement income review.

Operations

Connect Intake and Review

Use lender branded intake, direct bank connection and API enabled delivery to support your team's workflow.

Bank statement income analysis

Business program, 12 month window

Intake complete
Bank connection confirmed

Transaction treatment

Each deposit placed with its reason

  • Mar 03ACH credit, client paymentBusiness revenue$4,820.00Eligible
  • Mar 09Transfer from savingsInternal transfer$1,500.00Excluded
  • Aug 22Wire creditLarge deposit, above investor cutoff$90,000.00Excluded
  • Mar 27Cash depositSource documentation requested$1,940.00Review
Eligible deposits
Open items

Demonstration data

02 Third Party Review Firms

Review the calculation and its basis.

Examine the income result alongside the transaction detail and the supporting documentation needed for review.

Quality Control

See the Basis for the Calculation

Review the income result alongside the transaction detail and supporting documentation.

Review of the calculation

Same inputs, same divisor, same ratios

Reviewable
  • InputsUnchanged since underwriting
  • Treatment reasonsPresent on every row
  • Large depositSource documentation attached
  • MethodologyMatches the named program
  • Income divisor12 months, no gaps

Calculation as delivered

Read from the file, not recomputed

Eligible deposits
$182,335.55
Income divisor
12 months
Average monthly eligible
$15,194.63
Expense ratio
50%
Ownership
100%
Qualifying monthly income

Demonstration data

03 Investors

Understand the income behind the file.

Assess the calculation and the methodology as part of loan review.

Secondary and Capital Markets

Understand the Methodology Before Delivery

Review the investor specific logic and supporting calculation before the file moves to the next reviewer.

Investor methodology

Business bank statement program

Applied
  • 12 month coverageIncome divisor set to 12
  • Transfers and refunds$26,991.39 across 28 credits
  • Large deposit review$90,000.00 excluded, 1 deposit
  • Expense ratio50% applied
  • Ownership100% applied
Qualifying monthly incomeEligible deposits $182,335.55 across 12 months, 50% expense ratio, 100% ownership

Demonstration data

See the file move through your own workflow.

A short working session with the Laminr team, using the intake path, review steps and investor methodology your team runs today.

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