LenderAnalyzer is the LoanBeam alternative for lenders who need income numbers this week, not after a 45 to 60 day rollout. Upload bank statements and tax returns and get qualifying income, deposits and flags back. From $99 a month.
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LoanBeam automates borrower income calculation for mortgage lenders. It reads tax returns, W-2s, pay stubs, 1099s and bank statements and turns them into the qualifying income figure an underwriter signs off on, for QM and non-QM loans. It was one of the first service providers behind Freddie Mac's automated income assessment for self-employed borrowers, it integrates with Fannie Mae's Income Calculator, and since December 2021 it has been part of LoanLogics, the mortgage document and loan quality company owned by an affiliate of Sun Capital Partners.
Lenders start comparing alternatives for three practical reasons. The first is price. LoanLogics publishes pricing models for LoanBeam (per file, subscription, enterprise licensing and custom packages) but no dollar figure, so every number comes from a sales call. The second is time to value. LoanLogics says most organizations are live within 45 to 60 days, with assessment, configuration, LOS integration and training steps before the first production file. The third is fit: a broker, a small non-QM shop or a business lender often needs bank statement and tax return numbers on a handful of files a week, not an origination automation program.
This page compares the realistic options for a US lending team: other commercial income calculation tools, the free agency calculators, lending document platforms, and LenderAnalyzer. We say plainly where LoanBeam is the stronger choice, because for some conforming lenders it is.
Every tool on this page reads income documents, which is why they end up on one shortlist. They differ on the question that decides the purchase: do you need an agency-approved income calculation with rep and warrant relief, or do you need defensible income numbers from documents fast, on loans the agencies never see?
LoanBeam's strength is agency income. It was built to calculate self-employed income from tax returns, and Freddie Mac named it the first service provider for automated income assessment with tax return data in Loan Product Advisor. In October 2024 LoanLogics announced an integration with Fannie Mae's Income Calculator, so extracted tax data flows into the agency tool instead of being keyed in. For a conforming lender whose pain is self-employed borrowers and repurchase risk, that pedigree is a real advantage, and it is the first thing to weigh against any alternative.
LoanLogics now sells LoanBeam as a family. LoanBeam Income covers income extraction and calculation for QM and non-QM loans. LoanBeam Processing Automation combines LoanLogics' IDEA document processing, its ConstantQC inline quality control and LoanBeam Income to prepare underwriter-ready files. LoanBeam NQM is a bank statement income calculator for non-QM programs that applies investor-specific rules, flags NSF activity and large deposits, and produces an interactive review workbook. Ask which product the quote covers before you compare it with anything else.
There is no public rate card. The LoanBeam Processing Automation page lists four pricing models: per-file pricing for low to medium volume sellers and pilots, subscription pricing for consistent monthly volume, enterprise licensing with unlimited access for high-volume aggregators and investors, and custom packages priced by delivery model and technical complexity. Earlier trade coverage described LoanBeam income calculation as priced per application. None of these sources gives a dollar amount, so budget from a quote and ask what counts as a file.
Fannie Mae states that it does not charge a fee for its Income Calculator. It calculates income from wages, self-employment, business ownership and rental property, does not require Desktop Underwriter, and provides relief from enforcement of representations and warranties on the accuracy of the income calculation. Freddie Mac offers its own free online Income Calculator. The catch is data entry: someone still has to key tax return figures in, or pay a service provider to extract them. That is exactly the job LoanBeam, Ocrolus and others sell into.
LoanBeam is organized around residential mortgage files and investor delivery. A private lender underwriting a commercial loan, an equipment finance company, a merchant cash advance funder or a broker screening a bank statement borrower before submission needs different outputs: true revenue net of transfers, average daily balance, NSF and negative days, existing loan and advance payments, debt service coverage. Agency rep and warrant relief does nothing for those loans. For that work, a tool that returns cash flow metrics from statements and returns on the first upload fits better.
Public reviews of LoanBeam itself are scarce; we found no LoanBeam product listing with reviews on Capterra. Its most reviewed competitor is IncomeXpert from Blueprint, formerly UberWriter, rated 4.6 from 60 reviews on Capterra, where one reviewer wrote it was way better than LoanBeam. Treat that as one user's view. The directory also lists IncomeXpert from $3 per user per month, while Blueprint's own site says IncomeXpert is priced per loan with an account access fee. Those two descriptions do not match, so confirm the billing unit in writing.
Mortgage income calculation tools: IncomeXpert from Blueprint (FNMA, FHLMC, FHA, VA and USDA worksheets), Indecomm's IncomeGenius and Cotality Income Analysis, formerly CoreLogic, which Freddie Mac added as an automated income assessment provider. Lending document platforms: Ocrolus, which integrated with Fannie Mae's Income Calculator in September 2025 and calculates income for agency, government and non-QM bank statement loans. The agency calculators, free from Fannie Mae and Freddie Mac. And LenderAnalyzer, the self-serve analysis layer for bank statements, tax returns and financial statements from $99 a month.
Prices from each vendor's own site or its public directory listing. Where a vendor publishes nothing, we say so. Confirm current pricing with each vendor before you buy.
Swipe sideways to see the full comparison
| Software | What it is | Published price | Agency rep and warrant relief | Best for |
|---|---|---|---|---|
| LenderAnalyzer This page | Bank statement, tax return and financial statement analysis for lenders, app and API | Published, from $99/mo with volume and enterprise tiers | No: computed income, cash flow, deposits and flags, each traced to its source page | Brokers, non-QM, private and business lenders that need numbers without a rollout |
| LoanBeam (LoanLogics) | Mortgage income extraction and calculation for QM and non-QM, plus processing automation | None published; per-file, subscription, enterprise and custom models via sales | Yes, through Fannie Mae Income Calculator and Freddie Mac automated income assessment | Conforming lenders, aggregators and investors with steady mortgage volume |
| IncomeXpert (Blueprint) | Mortgage income analysis worksheets for FNMA, FHLMC, FHA, VA and USDA | Vendor: per loan plus account access fee. Capterra: from $3 per user per month | Through the agency programs it supports; confirm per loan type | Mortgage teams that want editable income worksheets |
| Ocrolus | Lending document automation with income, cash flow and fraud analytics | None published; sales-gated custom quote | Yes, through its Fannie Mae Income Calculator integration (2025) | Larger lenders with steady volume and Encompass workflows |
| Fannie Mae Income Calculator | Free agency tool for wage, self-employed, business and rental income | Free: Fannie Mae charges no fee | Yes, for the income calculation, when used as Fannie Mae describes | Any Fannie Mae seller willing to enter or import tax data |
| Freddie Mac Income Calculator | Free online agency tool for assessing borrower income types | Free | Check Freddie Mac terms; automated assessment runs through Loan Product Advisor | Freddie Mac sellers underwriting conforming loans |
Comparison compiled by LenderAnalyzer from public vendor materials; see the date noted above each table. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
Computed deterministically from every extracted transaction, every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period, a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box, build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
LoanBeam's direct competitors are other mortgage income calculation tools, mainly IncomeXpert from Blueprint, Indecomm IncomeGenius and Cotality Income Analysis, plus lending document platforms such as Ocrolus. The free Fannie Mae and Freddie Mac income calculators compete on price. For bank statement, business and private lending, analysis tools like LenderAnalyzer cover the income and cash flow work without agency calculation.
For conforming lenders that want agency rep and warrant relief, the strongest alternatives are Ocrolus and IncomeXpert, or the free Fannie Mae Income Calculator with a data extraction provider. For brokers, non-QM lenders and business lenders that need income and cash flow from bank statements and tax returns quickly, LenderAnalyzer is the self-serve option from $99 a month.
LoanLogics does not publish LoanBeam prices. Its product page lists four models: per-file pricing for lower volume and pilots, monthly subscription pricing, enterprise licensing with unlimited access, and custom packages. Trade press has described LoanBeam income calculation as priced per application. Expect a quote based on file volume, integrations and the level of automation you choose.
LoanBeam is owned by LoanLogics, which acquired it in December 2021. LoanLogics itself was acquired by an affiliate of Sun Capital Partners in July 2021. LoanBeam's income tools are now sold alongside LoanLogics' IDEA document processing and its loan quality products, and support runs through LoanLogics.
Yes. Fannie Mae states it does not charge a fee for Income Calculator. It calculates wage, self-employed, business and rental income, does not require Desktop Underwriter, and gives rep and warrant enforcement relief on the income calculation. The cost is the data entry, which lenders either do by hand or buy from an extraction provider.
Yes. LoanBeam NQM is a bank statement income calculator for non-QM lending. LoanLogics says it converts statements into structured data, applies investor-specific income rules, flags NSF activity and large deposits, and reaches 99 percent plus accuracy with human-in-the-loop validation. LenderAnalyzer computes deposits, transfers, average balances and NSF days from the same statements, self-serve.
Both calculate mortgage income from borrower documents. LoanBeam's edge is its agency history, including early Freddie Mac automated assessment work and a Fannie Mae Income Calculator integration. IncomeXpert has far more public reviews, 4.6 from 60 on Capterra, and editable worksheets across FNMA, FHLMC, FHA, VA and USDA rules. Neither publishes a dollar price on its own site.
LoanBeam is focused on mortgage income calculation and file preparation inside LoanLogics' loan quality stack. Ocrolus is a broader lending document platform that reads bank statements, pay stubs and tax returns, adds cash flow and fraud analytics, and also serves small business and consumer lenders. Both integrate with Fannie Mae's Income Calculator and both sell by quote.
LoanLogics says most organizations are live within 45 to 60 days. Its rollout runs through assessment, configuration of rules, integration with your LOS and document systems, training, launch and optimization. The NQM calculator also offers a drag-and-drop dashboard for lenders that want to start without an integration.
Not for the agency part. LenderAnalyzer does not submit to Fannie Mae or Freddie Mac and does not carry rep and warrant relief. It extracts pay stubs, W-2s, tax returns and bank statements and computes income, deposits and flags that an underwriter reviews. Lenders often use it for non-QM, business and private loans, and for screening files before agency submission.
How credit teams run these calculations by hand, so you can see exactly what the software automates.
What each LoanBeam product costs to buy, and what a quote should include.
Bank statement, P&L and asset income computed from the documents.
1040s, K-1s and business returns into self-employed income.
Qualifying income from 12 or 24 months of statements.
Income and asset analysis for mortgage files, from $99 a month.
The lending document platform, compared on price and output.
Pay stubs, W-2s and statements checked against each other.
Analyze your first statements free, plans from $99/month, 50% off billed annually.
