LAMINR VERIFICATION LAYER INITIALIZING
BANK STATEMENT · PDF
loan_file_2214.zip
SPREADSHEET · XLSX
STATEMENTS_FINAL_v7 (3).xlsx
#REF! · row 214
BORROWER PACKET
chase_stmt_jan.pdf · 34 pages
+9 docs
INVESTOR CONDITION
RE: RE: RE: March stmt missing?
POST-CLOSE REVIEW
post-close conditions (4)
INCOME CALCULATION
uw_notes_income_calc.docx
ELIGIBLE · 12MO
$21,213
PUTBACK RISK · SECONDARY
TPR re-check request
EXPOSURE
$21,213/mo
MISSING DOCUMENT
broker_email_chain.eml
MARCH STATEMENT MISSING
WHICH EXPENSE RATIO?
INVESTOR RE-CHECK
INCOME CALC DISPUTED
PUTBACK RISK
REVIEWER VARIANCE
MANUAL OVERRIDE NEEDED
LAMINR · AI INCOME VERIFICATION · NON-QM
Income
verification
investors trust
Laminr turns complex bank statements into decision-ready income intelligence for the Non-QM market.
INCOME VERIFICATION REPORT
$21,213/mo
ELIGIBLE MONTHLY INCOME · 12 MO
Deposits categorizedDONE
Guideline certifiedDONE
Audit trailATTACHED
Investor readyDAY 1
NOT JUST AUTOMATED. ACCEPTED.
The problem is not review.
It is rework.
EVERY RECALCULATION ADDS TIME
EVERY INCONSISTENCY ADDS RISK
EVERY QUESTION SLOWS EXECUTION
INCOME CALCULATION
Income calc · borrower 2214
ELIGIBLE · 12MO
$21,213
RECALC
MISSING DOC
REVIEWER VARIANCE
MANUAL CHECK
INVESTOR CHALLENGE
PUTBACK RISK
Broker
Scenario Desk
RECALC
Underwriting
MISSING DOC
Post-Close
REVIEWER VARIANCE
Third-Party Review
MANUAL CHECK
Secondary
INVESTOR CHALLENGE
Investor
PUTBACK RISK
SAME FILE · SAME INCOME · CALCULATED AGAIN AT EVERY STOP
CERTIFIED INCOME · LAMINR
Certified income · 12mo
ELIGIBLE · 12MO
$21,213
VERIFY ONCE → ACCEPT EVERYWHERE
One trusted calculation becomes the source of truth.
AUTOMATION REDUCES EFFORT · ACCEPTANCE REDUCES RISK · YOU NEED BOTH
Fast is helpful. Accepted is what matters.
AUTOMATION ONLY
Fast but fragile
✕Manual checking still required
✕Reviewer variance survives the tooling
✕Secondary market uncertainty at the trade
✕Putback exposure stays on the books
THE LAMINR STANDARD
Fast and accepted
✓Investor-aligned methodology, built with the buy side
✓Audit-ready output on every file
✓Standardized income logic across reviewers
✓Confidence before purchase — Day 1 Certainty
From bank statements to income intelligence
SCROLL TO RUN THE ENGINE ▾
01 · SECURE UPLOAD
INPUT · RAW ARTIFACTS
BANK STATEMENT · PDF
chase_stmt_jan.pdf
SPREADSHEET · XLSX
STATEMENTS_v7.xlsx
#REF! · row 214
BORROWER PACKET
loan_file_2214.zip
+9 docs
LAMINR CORE
v1 · VERIFICATION
INVESTOR RULES ACTIVE · 6 GUIDELINE SETS + OVERLAYS
ACH DEPOSIT · ACME CONSULTING LLCELIGIBLE$12,400.00
CHECK DEPOSIT · #2211ELIGIBLE$8,940.00
TRANSFER FROM SAVINGS · x2884FILTERED$15,000.00
WIRE IN · CLIENT PAYMENTELIGIBLE$22,750.00
CASH DEPOSIT · BRANCHEXCEPTION → REVIEWRESOLVED$4,300.00
SQUARE PAYOUTELIGIBLE$3,120.55
OUTPUT · CERTIFIED INCOME
DECISION-READY REPORT
AUDIT TRAIL ✓
TOTAL DEPOSITS · 12MO$1.19M
INELIGIBLE FILTERED−$942.08K
LARGE DEPOSIT CUTOFF$49,860
EXCEPTIONS RESOLVED2 / 2
INVESTOR RULESAPPLIED
AUDIT TRAILCOMPLETE
$21,213/mo
ELIGIBLE MONTHLY INCOME · CERTIFIED
01 · Secure Upload
02 · Document Validation
03 · Transaction Parsing
04 · Deposit Categorization
05 · Eligibility Logic
06 · Investor Rules
07 · Exception Handling
08 · Underwriter Review
09 · Guideline Certification
10 · Decision-Ready Report
09:14:02 parse ok
09:14:07 category set
09:14:11 cutoff calc
09:14:19 override logged
09:14:24 certified
VISIBLE · REVIEWABLE · OVERRIDABLE · DEFENSIBLE
COMPLETE WORKFLOW ~15 MIN
Not just automated.
Accepted.
INPUT · RAW DOCUMENTATION
01
Documents
LAYER
02
Transactions
LAYER
03
Eligibility Rules
LAYER
04
Investor Logic
LAYER
05
Exceptions & Overrides
LAYER
06
Audit Trail
LAYER
07
Decision-Ready Report
READY
OUTPUT · INVESTOR-ACCEPTED INCOME
RAW DOCUMENTATION → INVESTOR-ACCEPTED INCOME OUTPUT
INVESTOR
ACCEPTANCE
ACCEPTANCE
Guidelines for 6 major Non-QM investors, plus custom models.
DAY
1
CERTAINTY
1
CERTAINTY
Reps & warrants relief on the income calculation — certainty before the loan trades.
SAMPLE
OUTPUT
OUTPUT
TOTAL DEPOSITS · 12MO
$1.19M
ELIGIBLE DEPOSITS
$254.56K
NET USER OVERRIDES
0
FINAL ELIGIBLE DEPOSITS
$254.56K
SECURITY
&
CONTROLS
&
CONTROLS
Enterprise security · SAML / SSO · roles & permissions.
CUSTOMER
VOICE
VOICE
Customer Voice Placeholder — quote pending approval.
SCROLL TO CYCLE ROLES
One workflow.
Every seat at the table.
01 · ORIGINATORS & BROKERS
THE PAIN
Income answers take days — deals cool off while files bounce back.
WHAT LAMINR CHANGES
Real bank statement income at pre-qual, not after submission.
THE OUTCOME
Win the borrower before anyone else can quote.
The difference is felt
on every file.
BEFORE · MANUAL
Hours to Days
CALC → CHECK → CORRECT → RECHECK ↺
LAMINR CORE
v1 · VERIFICATION
AFTER · LAMINR
~15 min
VERIFY ONCE → ACCEPTED
BANK STATEMENT · PDF
chase_stmt_jan.pdf
SPREADSHEET · XLSX
STATEMENTS_FINAL_v7.xlsx
#REF! · row 214
MISSING DOCUMENT
March statement missing
INVESTOR CONDITION
Investor recheck request
POST-CLOSE REVIEW
post-close conditions (4)
PUTBACK RISK · SECONDARY
Investor challenge · income calc
EXPOSURE
$21,213/mo
LAMINR CORE
v1 · VERIFICATION
VERIFY ONCE → ACCEPTED
DECISION-READY REPORT
AUDIT TRAIL ✓
TOTAL DEPOSITS · 12MO$1.19M
INELIGIBLE FILTERED−$942.08K
LARGE DEPOSIT CUTOFF$49,860
EXCEPTIONS RESOLVED2 / 2
INVESTOR RULESAPPLIED
AUDIT TRAILCOMPLETE
$21,213/mo
ELIGIBLE MONTHLY INCOME · CERTIFIED
SCROLL — MESSY FILE STACK → CERTIFIED REPORT
Brandon Garcia
BUSINESS DEVELOPMENT · LAMINR
PREPARED BY
Prepared by Brandon Garcia
Business Development · Laminr
An interactive income verification briefing for Non-QM lenders, underwriters, TPR teams, secondary teams, and investors.
NON-QM · INCOME VERIFICATIONCONFIDENTIAL
Schedule a walkthrough with Brandon
09:14:02 parse ok
09:14:07 category set
09:14:11 cutoff calc
09:14:19 override logged
09:14:24 certified
This is what Day 1 Certainty should feel like.
A faster, cleaner, more defensible way to verify income across the Non-QM loan lifecycle.
BRANDON GARCIA · BUSINESS DEVELOPMENT · WWW.LAMINR.AI