Mortgage lending has a Day 28 problem.

Borrowers engage with lenders on Day Zero. Expectations get set. Loan options get discussed. Confidence gets built. Then income finally receives scrutiny on Day 28—deep in underwriting, after time, money, and operational effort have already been spent.

The result? Income surprises kill deals. Borrowers wait, frustrated. Lenders scramble to reposition files. What looked like a strong pipeline on Day Zero quietly erodes by the time income reality sets in.

This isn’t a process issue. It’s a structural flaw that’s costing lenders millions in fallout and operational overhead.

The income silo problem

Lenders juggle multiple income calculation tools. One details ⇒

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