The Non-QM lending market is expanding rapidly, but manual bank statement reviews create delays, errors, and compliance risks. LoanBeam NQM™ Income Calculator solves this challenge by transforming hours of manual work into a fast, accurate, and transparent workflow.
Powered by AI-enabled data extraction, HIL validation, and investor-specific calculation logic, LoanBeam NQM™ delivers 99%+ accurate, investor-ready results in minutes — helping lenders reduce costs, improve borrower experience, and protect compliance.
Instantly converts borrower bank statements into structured, validated data
HIL validation ensures results meet investor standards
Consistent application of investor rules to reduce guideline drift
NSF alerts, large deposit flags, and full audit trails
Highlights risk indicators and supports adjustments with tracked changes
Reduces manual effort and accelerates file review and loan approvals
Contact our team to see how our LoanBeam NQM™ Income Calculator can simplify and speed up your workflow.
Built for mortgage professionals, LoanBeam NQM™ is an automated Non-QM income calculator that combines intelligent document processing with the compliance safeguards your business requires. Designed specifically for the complexity of Non-QM lending, it streamlines bank statement analysis, applies investor-specific income rules, and delivers 99%+ validated results in minutes.
LOS compatibility – Works with major loan origination systems to streamline Non-QM income analysis.
Secure APIs – Encrypted, real-time data exchange with LOS, POS, and compliance platforms.
Custom investor rules – Configurable validation logic for investor-specific guidelines.
Simple dashboard – Drag-and-drop uploads for lenders needing quick, no-integration setups.
Secondary market support – Investor-ready results designed for delivery pipelines and bulk sales
LoanBeam NQM™ is designed to integrate smoothly into your existing mortgage technology environment, ensuring faster adoption and minimal disruption. Whether you’re a lender, aggregator, or investor, our platform connects directly with loan origination systems (LOS), document management solutions, and delivery pipelines to streamline Non-QM income analysis from end to end.
Most organizations are live within 45–60 days, supported by our expert implementation team and proven deployment roadmap.
Review current workflows, investor rules, and document types
Apply validation logic and investor-specific calculation rules
Connect to LOS platforms and document management systems
Equip underwriters and processors with tools and workflows
Begin live Non-QM processing with dedicated support
Review early results and refine processes for peak efficiency
The result: faster, more accurate Non-QM lending that scales with confidence.