TROY, Mich. - s4story -- Highlights

• Fannie Mae Designation: LoanCraft named a technology service provider for their Income Calculator.
• Rep and Warrant Relief: Lenders using Fannie Mae Income Calculator through LoanCraft may gain Fannie Mae rep and warrant relief, reducing the risk that loans will be repurchased due to income calculation errors.
• Patented Data Capture: Integration combines Fannie Mae's calculations with LoanCraft's patented data-capture technology and warranty coverage for additional accuracy.
• Comprehensive Analysis: LoanCraft extends income analysis beyond self-employed borrowers —covering bank statements, business returns, and other sources—fully integrated with Encompass and major LOS platforms.

Full Release

LoanCraft, a leading provider of income and asset-analysis technology for mortgage and consumer lenders, today announced it has been designated by Fannie Mae as a technology service provider for Income Calculator.

This designation positions LoanCraft among elite providers meeting Fannie Mae's rigorous quality integration benchmarks, helping lenders improve confidence and efficiency in income analysis.

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Through this partnership, lenders may now access Fannie Mae's rep and warrant Relief for income calculation, reducing the risk that loans will be subject to repurchase due to income calculation errors.

Integration with the Fannie Mae Income Calculator

LoanCraft's integration connects its patented data-capture technology directly to the Fannie Mae Income Calculator, enhancing both precision and protection.
"This collaboration combines Fannie Mae's trusted standards and rep and warrant relief with LoanCraft's patented capture accuracy and warranty coverage," said Ron George, CEO at LoanCraft. "Lenders gain a complete, actionable view of borrower income—reducing manual work, risk, and uncertainty while improving compliance and loan quality."

The integration embeds the Fannie Mae Income Calculator Findings Report inside LoanCraft's enhanced income report—giving lenders a complete view of warranted income, as defined by Fannie Mae, along with potential additional income (such as W-2/ paystub income) available through further documentation.

Comprehensive Income Analysis—Beyond the Fannie Mae Scope

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While the Fannie Mae Income Calculator provides standardized analysis for self-employment and rental income, LoanCraft extends its process to deliver a comprehensive income report covering W-2s, paystubs, business returns, bank statements, and tax transcripts.
LoanCraft's warranty on data-capture accuracy ensures all electronically retrieved and uploaded documents are verified through both automation and human quality control. This eliminates common bottlenecks in underwriting and supports consistency across the loan process.

Proven Technology and Seamless Integration

LoanCraft's income service is fully integrated with Encompass and other leading loan-origination systems.
Its patented process and configurable models adapt to any credit policy, merging automated data retrieval with expert validation to produce consistent, defensible, and fully warranted income results.

Loan officers gain certainty through simplified workflows, while underwriters benefit from transparent documentation, intelligent overrides, and reduced review time—all backed by LoanCraft's extended warranty protection.

https://www.loancraft.net