IncomeXpert 2026: Benefits, Features & Pricing

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Overview
Pricing and Plans
Features
User Reviews

Overview

IncomeXpert

4.6

(60)

Pricing

Pricing available upon request

About IncomeXpert

UberWriter is a cloud-based income analysis tool that helps underwriters process loans and manage data. It is primarily designed for mortgage officers to determine borrowers' income based on tax returns and bank statements.

Key features of UberWriter include credit review, training and compliance management. With the calculation module, users can classify different income types and conduct cash flow analysis. The training functionality enables mortgage firms to train professionals on areas like loan applications, property appraisals, fraud and risk management. Additionally, the Rest application programming interface (API) allows underwriters to upload data without manual intervention and generate tax return information.

UberWriter’s rental income tool can be used to manage borrowers across different properties and ensure guideline compliant income calculation. It is available on a one-time subscription basis and support is provided via phone and online help desk

IncomeXpert Screenshots

IncomeXpert Pricing and Plans

Starting price: $3.00

Free Trial

Free Version

Basic

$3.00

No plan information available

IncomeXpert Features

Popular features found in Loan Origination
Audit Trail
Automated Decisioning/Underwriting
Compliance Management
Customer Management
Electronic Signature
Financial Analysis
Loan Management
Loan Portfolio Management
Online Applications
Payment Collection
Workflow Management
More features of IncomeXpert
API
Government Loans
Loan Origination
Loan Processing
Multi-Branch
Outsource Processing
Pre-Qualification
Residential Mortgages

IncomeXpert User Reviews

Overall Rating

4.6

Ratings Breakdown

68%

30%

Secondary Ratings

Ease of Use

4.5

Value for money

4.7

Customer support

4.7

Functionality

4.6

Kelsey C.

Verified reviewer

Financial Services

1001-5000 employees

Used daily for less than 2 years

Review source

Reviewed August 2019

Great at helping calculate income

Ratings Breakdown

Ease of use

Functionality

Pros:

I like that it breaks down monthly income for the last 2+ years so you can see the trend in income. I like that different types of earnings are separated. Very easy to use once you get the hang of it

Cons:

I wish the website could calculate income if you enter it as a formula (similar to Excel where you can add a bunch of numbers together and once you press enter, the Sum is populated). When using paystubs to calculate earnings and the borrower has a bunch of "regular earnings", you have to open up your calculator and add all the earnings together and then type that number into Uberwriter.

Tom B.

Banking

501-1000 employees

Used daily for more than 2 years

Review source

Reviewed January 2019

January 2019

Great evidence we thoroughly reviewed the income and debt portion of the loan file. So far every outside auditors have been impressed with our files.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Easy to use. Follows agency guidelines. System and income warnings appear to be updated regularly. Tutorials available to staff. Income trending - Makes it easy to compare to agency guidelines. Might consider including the income trending graph on/in the output.

Cons:

Because we are post-closing, all our review documents are converted to a PDF and saved to a individual borrowers file. Sometimes the printed material on the report will be split between two pages. Also, at times there is a lot of pages printed with no information on them. Example - File number 457480/loan number 0922193901

Tamara N.

Banking

501-1000 employees

Used daily for less than 12 months

Review source

Reviewed January 2019

Uberwriter

Ratings Breakdown

Ease of use

Customer support

Functionality

Pros:

The comments section. I use it a lot to explain what I did and what I had to work around in the system

Cons:

The W-2 earnings calculations are great for someone who has been at their job for 3 or more years. But for someone who just started, or started within the last 3 years, it doesn't work unless you do NOT put a start date/hire date in the designated box. Often, based on the income type, an average over 2 or more years is needed, regardless of whether the borrower has been with the current employer all that time. OR, the UW wants to see earnings history average for prior years to support current earnings level (i.e. comparison of earnings year to year).

Samad S.

Financial Services

201-500 employees

Used daily for more than 2 years

Review source

Reviewed January 2019

Income calculations

It is very useful to train the new underwriters and in case of any update or complicated situations provided video works great in solving the doubts.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It is very easy to calculate the income on uberwriter and the beautiful thing is you will get a detailed report generated which you and further reviewer of the loan can check.

Cons:

It gets like a processing work mostly in rental income calculation.Underwriter always love the reverse calculation in rental income starting from the net rental income and then adding back the insurance,taxes, interest, and depreciation etc.

Kushal B.

Real Estate

201-500 employees

Used daily for more than 2 years

Review source

Reviewed January 2019

UberWriter - Amazing underwriting tool!

UberWriter is one of 'The Best' product I have ever used in my career in the Mortgage Industry.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The ease of use is no match with other sheets or software used anywhere in this industry. Additionally, it is helpful in taking an appropriate decision in terms of income as it minimizes errors and provides helpful pop up which indeed helps a lender avoid repurchases.

Cons:

There are no cons for this; however, the navigation can be improved further. Summary of borrower and co-borrower income can be placed side by side followed up by detailed analysis .

Kapil M.

Real Estate

51-200 employees

Used daily for more than 2 years

Review source

Reviewed January 2019

UberWriter

As per organization, this is a useful tool for the mortgage industry. We can do perfect income calculations from this tool including wage & self-employment as well. Also, UberWriter provides the perfect income calculation hence we need to do any second thought which is a best part of UberWriter.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

This software is easy to use and user friendly.

Cons:

UberWriter should change some graphical effects those will increase more interest to use this tool for the mortgage income calculations. Also, UberWriter can update with the income calculation formulas which will reflect into UberWriter.

Jean M.

Banking

51-200 employees

Used daily for less than 2 years

Review source

Reviewed January 2019

Uber Writer = Income analysis + Easy

This software helps us with compliance especially with regard to fair lending. It helps my lenders ensure that they look at income on every loan the same way.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I love that it consistently updates to the changes in rules and regulations for representatives. I love that I know that my income calculations will be the same no matter who on our team calculates it. That consistency is vital to fair lending, compliance and overall a strong loan portfolio!

Cons:

One update made it so that you now have to change it every time you want to search all files. I was hoping that down the road I will be able to set my preferences. I review many people's work, so it would be nice to not just search the recent files.

Richa S.

Retail

10000+ employees

Used daily for more than 2 years

Review source

Reviewed January 2019

Easy to use

Overall the experience with Uberwriter has been very beneficial and has been a great tool in underwriting files.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It's helpful and easy to use. The income report is easy to read for both me and loan officers or processors that may need to read them. The layout of the input is great and follows most paystubs and tax returns for self employed borrowers.

Cons:

Not too much of an issue. Sometimes documents are converted to a PDF and its shows some error and printed material on the report will be split between two pages.

Patricia D.

Financial Services

1001-5000 employees

Used daily for more than 2 years

Review source

Reviewed January 2019

Uber Use

I resisted using it at first because I had my set way of calculating everything but once I started using it, I couldn't believe how easy it is and how much time it saves me!

Ratings Breakdown

Ease of use

Customer support

Functionality

Pros:

The breakdown of sections for each type of income and for REO are fantastic!

Cons:

Calculations when there are gaps in employment can't be adjusted (#of mos to consider). Several times I've had a borrower who left a company and then came back in the same yr and there is no way to analyze but on the pro side, you can go in manually and adjust averages.

Pam C.

Financial Services

201-500 employees

Used daily for more than 2 years

Review source

Reviewed January 2019

So Helpful

The customer service level is above and beyond what I would expect - while the website may not always function perfectly, I always get a timely and personal response when I email for help.

Ratings Breakdown

Ease of use

Customer support

Functionality

Pros:

What I like most about Uberwriter is that it has so many different calculations available for me in one place.

Cons:

There is no option for calculating income from assets for USDA loans. There is one that can be used for 401k type income, but when calculating Annual Income for USDA, that is not the only type of asset we have to look for.

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IncomeXpert 2026: Benefits, Features & Pricing

Overview

About IncomeXpert

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IncomeXpert Pricing and Plans

IncomeXpert Features

IncomeXpert User Reviews

IncomeXpert Popular Comparisons

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