Income VerificationInvestors Trust

Connected to the mortgage workflow.

Bank data comes in through live integrations. Investor methodologies are applied inside the same calculation. Each relationship is labelled for what it is.

Live integrationsData intake, delivery and review

Broker PortalDebt DetectorLaminr API Maxwell

Tampr

Participating investor partnersMethodologies live today

Every deposit needs a decision.

Laminr reads and categorizes bank statement transactions, applies investor specific methodology, flags missing documentation, and produces a calculation with the supporting detail behind it.

01 Connect

Bank data arrives with its coverage intact.

Statements come in through a Plaid connection or as uploaded documents. Laminr confirms the account link and lays out every statement month before a single deposit is judged.

02 Categorize

Every transaction is read and placed.

Deposits assemble as rows with their source and description, then move into Eligible, Excluded or Review. Nothing is netted away silently; each treatment carries its reason.

03 Apply logic

Investor methodology shapes the treatment.

The investor program sets the rules: coverage, transfers, large deposits, expense ratio and ownership. As each rule activates, its effect on the deposit picture becomes visible.

04 Calculate

Qualifying income resolves from its inputs.

Eligible deposits divide across the income period, then the expense ratio and ownership share apply. The result arrives with the inputs still attached.

Connect

Demonstration data

Bank connection confirmed

Plaid connection or uploaded statements. Account ownership and statement periods confirmed before analysis.

Statement coverage

Twelve consecutive months

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

12 month coverage confirmedNo gaps

Transaction treatment

Deposits placed with their reason

DateTransactionAmountTreatment

Mar 03ACH credit, client paymentBusiness revenue$4,820.00Eligible

Mar 05Card processing batchBusiness revenue$2,310.44Eligible

Mar 09Transfer from savingsInternal transfer$1,500.00Excluded

Mar 12Wire creditBusiness revenue$6,740.00Eligible

Mar 15Mobile check depositBusiness revenue$3,125.50Eligible

Mar 18Refund creditRefund, not income$289.35Excluded

Total deposits

Eligible

Rule ineligible

Large deposit

Investor methodology

Business bank statement program

12 month coverageEvery statement month present, no gapsIncome divisor set to 12
Transfers and refundsInternal transfers and refund credits removed$26,991.39 across 28 credits
Large deposit reviewSingle deposits above the investor cutoff need sourcing$90,000.00 excluded, 1 deposit
Expense ratioInvestor standard for this business type50% applied
OwnershipDocumented ownership share of the business100% applied

Gross deposits

Eligible deposits

Rule ineligible credits

Large deposit exclusion

Qualifying income

Inputs remain attached to the result

Eligible deposits

Income divisor12 months

Average monthly eligible deposits

Expense ratio50%

Ownership100%

Qualifying monthly income

01 Connect

Bank data arrives with its coverage intact.

Statements come in through a Plaid connection or as uploaded documents. Laminr confirms the account link and lays out every statement month before a single deposit is judged.

Bank connection confirmed

Plaid connection or uploaded statements.

Statement coverage

Twelve consecutive months

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

12 month coverage confirmedNo gaps

02 Categorize

Every transaction is read and placed.

Deposits assemble as rows with their source and description, then move into Eligible, Excluded or Review. Nothing is netted away silently; each treatment carries its reason.

Transaction treatment

Deposits placed with their reason

DateTransactionAmountTreatment

Mar 03ACH credit, client paymentBusiness revenue$4,820.00Eligible

Mar 05Card processing batchBusiness revenue$2,310.44Eligible

Mar 09Transfer from savingsInternal transfer$1,500.00Excluded

Mar 12Wire creditBusiness revenue$6,740.00Eligible

Mar 15Mobile check depositBusiness revenue$3,125.50Eligible

Mar 18Refund creditRefund, not income$289.35Excluded

Aug 22Wire creditLarge deposit, above investor cutoff$90,000.00Excluded

Mar 27Cash depositSource documentation requested$1,940.00Review

Total deposits

Eligible

Rule ineligible

Large deposit

03 Apply logic

Investor methodology shapes the treatment.

The investor program sets the rules: coverage, transfers, large deposits, expense ratio and ownership. As each rule activates, its effect on the deposit picture becomes visible.

Investor methodology

Business bank statement program

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

Gross deposits

04 Calculate

Qualifying income resolves from its inputs.

Eligible deposits divide across the income period, then the expense ratio and ownership share apply. The result arrives with the inputs still attached.

Qualifying income

Inputs remain attached to the result

Eligible deposits

Income divisor12 months

Average monthly eligible deposits

Expense ratio50%

Ownership100%

Qualifying monthly income

Reviewable

Demonstration data

A number your team can explain.

See the inputs, methodology, transaction detail, and supporting information behind the qualifying income result.

Transaction detail behind the result

Every treatment carries its reason and source

Demonstration data

DateTransactionAmountTreatment

Mar 03ACH credit, client paymentBusiness revenue$4,820.00Eligible

Mar 05Card processing batchBusiness revenue$2,310.44Eligible

Mar 09Transfer from savingsInternal transfer$1,500.00Excluded

Mar 12Wire creditBusiness revenue$6,740.00Eligible

Mar 15Mobile check depositBusiness revenue$3,125.50Eligible

Mar 18Refund creditRefund, not income$289.35Excluded

Aug 22Wire creditLarge deposit, above investor cutoff$90,000.00Excluded

Mar 27Cash depositSource documentation requested$1,940.00Review

Methodology

The investor program that set the divisor, expense ratio and large deposit treatment is named on the calculation.

Supporting information

Statement coverage, account ownership and large deposit sourcing sit with the file, not in a separate note.

Review

Underwriting, quality control and a Third Party Review firm can read the same inputs and reach the same number.

More context before the file moves.

Income is one decision. Laminr adds two more reads of the same statements so the team sees liabilities and document integrity alongside the calculation.

Debt Detector

Withdrawals reviewed for the liabilities behind them.

Debt Detector reads recurring withdrawals to help verify disclosed liabilities and identify potential undisclosed debt, with each obligation traced to the payments that support it.

Estimated monthly debt across identified obligations
Obligations compared with what the application discloses
Credit card and installment patterns called out separately

Estimated monthly debt

Obligations found

Credit cards

Mar 02Auto finance paymentMonthly, 12 of 12Auto loanReviewing

Mar 04Card paymentMonthly, 11 of 12Credit cardReviewing

Mar 06Equipment leaseMonthly, 12 of 12Not disclosedReviewing

Mar 11Card paymentMonthly, 12 of 12Credit cardReviewing

Mar 14Installment paymentMonthly, 9 of 12Not disclosedReviewing

Mar 20Insurance premiumMonthly, 12 of 12InsuranceReviewing

Recurring withdrawals compared with the disclosed liabilities on the application.

Demonstration data

Tampr

Document integrity, reported as a verdict.

Tampr moves each document through an integrity review and reports Clean, Cautionary or Review Recommended. It can review unusual metadata, documents not generated by bank software, and arithmetic discrepancies.

Verdicts inform review; they do not replace it
Signals are listed with the check that raised them
Results stay attached to the file the income was calculated from

Document metadataProducer, creation and modification details compared

Generating softwareWhether the file was produced by bank software

Arithmetic consistencyBeginning balance, activity and ending balance reconciled

Layout consistencyFonts, spacing and alignment compared across pages

CleanNo integrity signals found

CautionarySignals worth a closer look

Review RecommendedManual review before the file moves

One calculation. Cleaner handoffs.

The same file object moves between roles. What changes is the lens, not the number.

Work the file with the treatment of every deposit visible.

Less manual statement review
More consistency between underwriters
Missing documentation identified earlier
Clear calculation support

Bank statement income analysis

Business program, twelve month window, one account

Reviewable

Qualifying monthly income

Gross deposits

Eligible deposits

What underwriting sees

Eligible deposits162 kept
Large deposit sourcing1 open
Coverage12 of 12 months
MethodologyBusiness program

Open items

One large deposit awaiting source documentation.

Calculation status

Inputs complete; result reviewable.

Handoff

OperationsUnderwritingQuality ControlCapital Markets

Demonstration data

Built into the workflows lenders already use.

Laminr is the income analysis engine in the middle. Bank data comes in through connected sources; the calculation and its detail go out to the systems lenders already run.

Investor methodologies live today.

Each methodology is applied inside the calculation, so the deposit treatment, expense ratio, ownership and large deposit handling follow the program the file is headed to.

01BusinessPersonal
02Business
03Business
04Business

See the calculation on one of your files.

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

Request a Demo