Use cases
Everyone sees the same income, from the lender who closes the loan to the investor who buys it
Originators, third-party review firms and investors each look at the same bank statement loan for a different reason. Here's how Laminr helps each of them.
Originators
Close loans faster, and know the income will hold up after closing.
Origination teams use Laminr to qualify bank statement borrowers early, price them with confidence and hand secondary a file that won't come back for re-underwriting.
The problem we solve
Two underwriters can read the same statements and reach two different incomes. The borrower gets a moving target, and the loan may not survive the investor's review.
Reviews run on their own
Statements are read, categorized and calculated without data entry, so processors stop keying deposits and start clearing conditions.
More loans reach the closing table
Fewer deals fall out late to a recalculated income.
Fewer errors in the file
A rules-based method calculates every file the same way, so a transposed deposit or a missed transfer doesn't decide the loan.
Smoother closings
Outputs follow the investor's guideline, which means fewer post-close conditions and fewer surprises for the borrower.
Multiple scenarios on one file
Loan officers, brokers and account executives can run their own scenarios on the same file at the same time: a different evaluation period, account set or expense ratio. The underwriter's analysis stays the source of truth, and the underwriter can adopt the scenario that holds, so you know which structure qualifies before you quote the borrower.
The underwriter reviews Scenario A and can adopt it, with the P&L attached as evidence.
Third-party review firms
Scale review capacity without scaling the backlog.
Due diligence and QC firms use Laminr as the standard engine for bank statement income, so analysts spend their hours on judgment instead of arithmetic.
The problem we solve
When a client sends a pool, capacity is the constraint. Manual statement review takes a large share of each file, and the deadline doesn't move.
One method across analysts
A new hire and a ten-year reviewer start from the same calculation, so results are consistent and defensible however complex the file.
More files per analyst
Categorization and math are done before review starts, so a pool clears faster without trading away accuracy.
Deliverables clients can follow
Each result ships with documented logic that your client and its investors can read, exported in the format they already accept.
The firm lenders call back
Income findings that investors already trust shorten the back-and-forth and make your firm the default choice on the next pool.
Investors
Trust the income calculation before you buy the loan.
Laminr's method is built on investor guideline requirements. A file processed in Laminr arrives with income calculated to your standard, and the loans that need a closer look are flagged for you.
The problem we solve
Inconsistent bank statement income can cause repurchase requests and post-acquisition disputes.
| Borrower | Months | Qualifying income | Result |
|---|---|---|---|
| Borrower 1041 Sole proprietor · business account | 24 | $14,206.18 | Auto-approved |
| Borrower 1042 Two accounts · 50% ownership | 12 | $9,880.40 | Auto-approved |
| Borrower 1043 Large deposit without explanation | 12 | $21,512.07 | Refer for review |
| Borrower 1044 Personal account · 24 months | 24 | $7,615.92 | Auto-approved |
| Borrower 1045 Declining deposits, last 6 months | 24 | $11,042.55 | Refer for review |
Aligned to your guidelines
A standardized method designed for secondary market requirements, so sellers deliver income the way you would have calculated it.
Lower repurchase risk
Consistent, rules-based calculations mean fewer surprises after acquisition and a firmer basis for standing behind a purchase.
Review the logic, not only the number
Each file carries its documented reasoning, so your team can challenge a calculation instead of accepting or redoing it.
Faster due diligence
When every loan in a pool is calculated the same way, review becomes predictable and your team spends its time on the exceptions.
Get more volume from your sellers
When sellers calculate income with Laminr, their loans are built to your standard before you ever see them. That lowers their risk of a repurchase request, so they can sell to you with more confidence and send you more of their volume.
- 1Sellers calculate income in Laminr, using a method aligned to your guidelines.
- 2Their repurchase risk goes down, because the income holds up at purchase.
- 3You get more of their loans, delivered ready for review.
For lenders, review firms and investors
Income verification investors already trust.
Bring one of your files to a demo and see the result your counterparties will see.