Income Verification Investors Trust
Laminr's AI-powered bank statement income analysis is accepted by Non-QM investors representing ~50% of Non-QM purchase volume — no recalculations, no second guessing.
Not Just Automated. Accepted.
We built a standardized income methodology aligned with investor specific models — so your files move through secondary without friction.
Automation Reduces Effort
Laminr calculates borrower income directly from bank statements, eliminating manual data entry and the human error that comes with it.
Acceptance Reduces Risk
Our methodology matches investor expectations. Loans arrive with calculations trusted by capital markets.
You Need Both.
Laminr delivers the efficiency of automation and the confidence of investor-aligned results — in every file.
The Problem
Manual bank statement reviews introduce costly errors, delays, and secondary market risk at every stage of the loan process.
Manual Calculations
Income calculations can vary by underwriter — creating inconsistent, error-prone results.
Incomplete Documentation
In a manual process, missing documents go undetected for days — setting false expectations with the borrower.
Bottlenecks
Without technology, as volume grows, the time to close increases exponentially.
Putback Demand
Loans that don't meet investor standards get kicked back for repurchase — adding cost, delay and risk of losing the deal entirely.
The Solution
A Standardized Income Engine Built By and For the Buy Side
Laminr reads, categorizes, and calculates income from bank statements using methodologies built for investor requirements.
The Laminr Way.Parse and classify transaction data
Run investor eligibility rules
Produce transparent, audit-ready income calculations
Deliver results investors accept