AI-Powered
Mortgage Income
Analysis
Analyze borrower income, uncover qualifying opportunities, identify underwriting risks, and accelerate loan decisions in minutes instead of hours.
Beta Access Open
Early adopter program
Avg. Analysis Time
~4 min
vs. hours manually
Income Analysis
Qualifying ✓Sarah Johnson
App #24-8291 · Purchase · $485,000
AI Score
92/100
DTI Ratio
28.4%
AI Risk Score
92 / 100
✨ 3 Opportunities Detected
Manual income analysis
is broken.
Mortgage brokers spend too much time on low-value data entry and not enough time closing loans. The manual process is slow, error-prone, and costly.
Hours lost per loan file
Manually reviewing W-2s, tax returns, pay stubs, and bank statements for a single borrower takes 3–5 hours on average. Multiply that across your pipeline and it's a full-time job.
per loan file
Qualifying income left on the table
Addbacks, rental income, self-employment adjustments, and bonus income are frequently miscalculated or missed entirely — turning a qualifying borrower into a declined loan.
loans have missed income
Risks caught late, or not at all
Undisclosed liabilities, inconsistent employment histories, and income documentation gaps often surface at underwriting — causing costly delays and deal fallout.
of files have hidden risk flags
Everything you need to close more loans
Auxilium Logic replaces hours of manual work with AI-powered analysis that's faster, more accurate, and more comprehensive than any human review.
Income Analysis
Instantly parse and calculate qualifying income from W-2s, 1040s, 1099s, K-1s, pay stubs, and rental agreements. Handles every income type across all major guidelines.
Opportunity Detection
AI scans every file for income addbacks, averaging strategies, and underwriter-accepted workarounds that increase qualifying income without changing the loan terms.
Risk Identification
Surface underwriting risks before they become surprises. Employment gaps, declining income trends, undisclosed liabilities, and documentation inconsistencies — flagged instantly.
Scenario Analysis
Run multiple loan scenarios side-by-side. Compare income calculation methods, loan programs, and rate options to find the best path to qualification for every borrower.
Supports all major loan programs
Conventional, FHA, VA, USDA, Jumbo, and Non-QM — all guidelines built in.
From document upload to loan decision in minutes
Five steps. No complex setup. No learning curve. Just faster, better loan analysis.
Upload Documents
Drag and drop borrower documents — W-2s, tax returns, pay stubs, bank statements. Our AI accepts any format and extracts data automatically.
Supports PDF, JPEG, TIFF, and moreIdentify Income Sources
AI automatically classifies and calculates qualifying income across all source types — employment, self-employment, rental, investment, and more.
Handles 40+ income typesOptimize Qualification
Auxilium Logic scans for every legitimate income addback, averaging strategy, and program-specific opportunity to maximize the borrower's qualifying income.
Avg. $340/mo income recoveredReview AI Analysis
Get a comprehensive report with full income calculations, risk flags, opportunity highlights, and underwriter-ready documentation — all in minutes.
Underwriter-ready in 4 minutesSubmit Better Loans
Export clean, audit-ready loan packages. Submit with confidence knowing every number is verified, every risk is addressed, and every opportunity is captured.
91% first-submission approval rateA command center built for mortgage brokers
Every tool you need to analyze, qualify, and close loans — in one intelligent platform.
Roy Gutman
Senior Broker
Income Analysis — Sarah Johnson
App #24-8291 · Last updated 2 min ago
Qualifying Income
$11,800/mo
+$340 via addbacks
DTI Ratio
28.4%
Below 45% threshold
AI Risk Score
92/100
Low risk profile
Income Breakdown
3 sources detectedW-2 Employment — Apex Financial Corp
W-2 (2022, 2023), VOE
$8,500/mo
$102,000/yr
Self-Employment — JG Consulting LLC
1040 (2022, 2023), P&L
$2,200/mo
$26,400/yr
Rental Income — 421 Oak Street
Schedule E, Lease Agreement
$1,100/mo
$13,200/yr
✨ Opportunities Found
Risk Flags (0 Critical)
Quick Actions
The productivity platform mortgage brokers needed
AI that thinks like an underwriter
Trained on underwriting guidelines and real loan scenarios, Auxilium Logic catches what humans miss — and validates what humans second-guess.
Built to fit your workflow
Export to your LOS or share directly with underwriters. Designed to slot into how you already work, not replace it.
Audit-ready documentation
Every analysis includes a clear paper trail showing how income was calculated, which guidelines were applied, and why each decision was made.
Built for teams and solo brokers
Whether you're an independent broker or running a team, the platform scales with you — role-based access and shared pipelines included.
Secure by design
Bank-level encryption at rest and in transit. Your borrower data is never used to train our models, and you control who sees what.
Always current guidelines
Fannie Mae, Freddie Mac, FHA, and VA guidelines are kept up to date automatically. You never work with outdated rules.
Built by people who understand mortgages
Auxilium Logic was founded by a team of mortgage industry veterans and AI engineers who watched talented brokers lose hours every day to manual income analysis.
We built the platform we wished existed — one that handles the tedious, high-stakes work of income qualification so brokers can focus on what they do best: building relationships and closing loans.
Learn our storyAccuracy first
Every income calculation is explainable, auditable, and grounded in the actual guidelines.
Speed matters
Brokers shouldn't choose between being thorough and being fast. We make both possible.
Built for brokers
Designed with input from working mortgage professionals, not just engineers.
Be among the first to
transform your pipeline.
Auxilium Logic is in active beta. Join early-access brokers who are already using AI to analyze income faster, find more qualifying opportunities, and submit stronger loans.