Mortgage analysis investors trust
Leading Non-QM investors collaborated to establish Laminr. Today, those same investors accept our results. No recalculations, no second-guessing
Not just automated, accepted
We built our income methodology around how investors actually calculate it, so your files move through secondary without the back-and-forth.
Multiple borrowers per file, multiple income types per borrower
Real files are rarely one person with one income. We build and collate the full income picture in a single package.
Integrated into your LOS
Results show up right where your underwriters already work. No re-keying numbers, no jumping between systems, and one record of how income was calculated
Data integrity
For PDF bank statements, extracted data is subject to robust QC checks to make sure the math works. In addition, the documents are thoroughly examined for signs of alteration or fabrication. Or you can skip PDFs and we'll base the analysis on a direct bank connection.
Scenario analysis
Your whole team can work the same file at once. Underwriters, brokers and account executives can each try a different evaluation period, set of accounts or expense ratio side by side, and the underwriter selects the one that best represents the file.
Stacking in Minutes
Upload the whole loan package and Laminr sorts it out for you. Every document gets identified and put in order, so underwriting, QC and the investor are all working from the same file.
White label seller portals
Sellers send files straight to you through a portal with your name on it, so there's no more chasing emails and hand-offs. The file lands with your underwriter in one step, ready to go.
One platform, connected
Fits the way your files already move
Files come in from your seller portal and direct bank connections, results sync both ways with your LOS, and finished analysis goes right out to your customers.
Comes in
Syncs and goes out