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AI-Powered Mortgage Automation That Handles 80% of the Work

Reduce manual effort in loan audits, income verification, and compliance reviews with AI-driven automation. Infrrd Ally’s intelligent mortgage agents are trained to process financial documents, detect discrepancies, and streamline quality control—so you can focus on strategic decision-making.
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Your Regular Income Calculator Could Never…
analyze a stack of documents in seconds
adapt to complex borrower profiles without breaking a sweat
flag discrepancies before they become compliance headaches
learn and improve with every audit you perform
Mortgage Ally does all this and more, making your old calculator look like a relic
Upgrade to Ally

Infrrd Named a 2026 HousingWire Tech100 Mortgage Winner

Infrrd has been recognized by HousingWire as a 2026 Tech100 Mortgage winner for delivering scalable, real-world impact through AI-powered mortgage automation. The Tech100 program honors companies shaping the future of housing through proven innovation and measurable results.

Access the press release
Product Features

Why Infrrd Ally is the Ultimate AI for Mortgage Income Calculation

Pre-Trained Mortgage Guidelines, Customizable for You

Infrrd Ally is built to automate income calculation and verification while ensuring compliance with Fannie Mae, Freddie Mac, FHA, and Jumbo Loan requirements. Customize rules to match your underwriting standards while AI effortlessly handles DTI ratios, income averaging, and self-employment income analysis.
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Fannie Mae Guidelines
Freddie Mac Guidelines
USDA Loan Requirements
VA Loan Standards
FHA Guidelines
Jumbo Loan Requirements
Self-Employment Income Analysis
Debt-to-Income (DTI) Ratio Validation
Tax Transcript Reconciliation
Fannie Mae Guidelines
Freddie Mac Guidelines
USDA Loan Requirements
VA Loan Standards
FHA Guidelines
Jumbo Loan Requirements
Self-Employment Income Analysis
Debt-to-Income (DTI) Ratio Validation
Tax Transcript Reconciliation
Fannie Mae Guidelines
Freddie Mac Guidelines
USDA Loan Requirements
VA Loan Standards
FHA Guidelines
Jumbo Loan Requirements
Self-Employment Income Analysis
Debt-to-Income (DTI) Ratio Validation
Tax Transcript Reconciliation
AI-driven mortgage income calculation dashboard

Never Misses a Guideline or Compliance Rule

Upload your rules, and Ally automatically flags discrepancies in 1099s, tax returns, and income statements—ensuring 100% loan audit accuracy and compliance.
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Thinks, Learns, and Executes Like an Mortgage Expert

Infrrd Ally automates income normalization, averages variable earnings, and identifies allowable deductions—learning from every audit to improve accuracy and compliance.

📌 No More Manual Adjustments—Ally continuously refines income calculations, ensuring faster, more reliable mortgage audits.
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Retirees or Fixed Income
Borrowers
Seasonal or Gig Workers
Commission-Based Earners
Multiple Income Sources
Self-Employed Borrowers
Newly Employed Borrowers
Co-Borrowers
Income
Real Estate Investors
Income
Retirees or Fixed Income
Borrowers
Seasonal or Gig Workers
Commission-Based Earners
Multiple Income Sources
Self-Employed Borrowers
Newly Employed Borrowers
Co-Borrowers
Income
Real Estate Investors
Income
Retirees or Fixed Income
Borrowers
Seasonal or Gig Workers
Commission-Based Earners
Multiple Income Sources
Self-Employed Borrowers
Newly Employed Borrowers
Co-Borrowers
Income
Real Estate Investors
Income

Adapts to Every Borrower Profile

From salaried employees to self-employed borrowers, Ally seamlessly processes Schedule C, K-1 forms, P&L statements, gig income, and commission-based earnings—delivering accurate, compliant income assessments in seconds.
Book a Demo
Business-Level Advantages

AI-Powered Mortgage Income Calculation & Verification | Infrrd Mortgage Ally

Speed up. Scale up. Stand out. Mortgage Ally doesn’t just save you time—it transforms how you work. Faster loans, happier clients, and effortless growth start here.

‍They don’t just perform individual tasks—they think, decide, and adapt in real-time to keep your business ahead
AI-driven mortgage income calculation dashboard

Faster Loan Closures, Higher Revenue

Speed up income calculations, close more loans, and boost your bottom line.

Scale Without Extra Costs or Stress

Handle more loans effortlessly while keeping operations lean and efficient.
AI-driven mortgage income calculation dashboard

Stronger Client Trust, Loyal Partnerships

Deliver precise, compliant results that enhance credibility and ensure long-term success.
Business-Level Advantages

Still Stuck with the Old Ways?
Look What You’re Missing!

Feature
Regular Income Calculator
Automated Income Calculation [ALLY]

Easily manage complex income profiles (self-employed, bonuses, etc.)

Multiple income sources leads to miscalculations

Automatically adhere to strict mortgage underwriting standards

Requires manual cross-checking, increasing risk of compliance errors

Completely eliminate the risk of manual entry mistakes

Prone to human errors, miscalculations, and data inconsistencies

Effortlessly handle high volumes of income data in record time

Time-consuming and labor-intensive, slowing down loan processing

Seamlessly calculate averages for variable income streams

Requires manual input and spreadsheet calculations

Proactively flag discrepancies to ensure compliance every time

Errors can go unnoticed, leading to compliance risks

Continuously learn and improve for smarter income audits

Static formulas; cannot adapt to changing lending guideline

Minimize time spent on each loan, freeing up resources for more cases

Slow processing increases workload & delays approvals

Ensure comprehensive audit trails for transparency and compliance

No built-in tracking; requires manual documentation
Don’t get left behind–Automate Now!
How Mortgage Automation Works

Step-by-Step AI-Powered Mortgage Income Calculation

A smarter way to verify borrower income, automate calculations, and ensure compliance with mortgage guidelines. Infrrd Ally handles the heavy lifting while you oversee with confidence.
1
Upload Borrower Documents
Drop in pay stubs, W-2s, tax returns, or entire loan packages, and let Ally do the rest
2
Chat with Your Documents
Need clarification? Ask Ally questions directly about any document or borrower’s financials and get instant, actionable insights.
3
AI-Powered Data Extraction
Ally extracts and organizes income data like gross pay, deductions, bonuses, and more with precision and speed.
4
Verification: Apply Mortgage Guidelines Automatically
Automatically apply industry standards like Fannie Mae and Freddie Mac, or customize Ally with your own underwriting rules and guidelines to ensure every calculation meets your unique requirements.
5
Gain Insights on Loan Packages
Ally goes beyond calculations—get a comprehensive overview of loan package readiness and income trends and identify bottlenecks before they arise
6
Cross-Check, Flag Issues, and Suggest Next Steps
Ally doesn’t just flag discrepancies; it provides actionable recommendations on how to address them—ensuring compliance and guiding you toward resolution
7
Generate Audit-Ready Results
Download compliant, audit-ready reports with all supporting documentation in minutes
8
Learn & Improve
Ally adapts to your workflow, becoming smarter and more tailored with every interaction
9
Enhanced Security Measures
Ally offers advanced encryption and security features to protect sensitive borrower information during the entire loan processing journey.
AI-driven mortgage income calculation dashboard

Here’s What Companies Are Saying About Us

“Simplifies document handling and gives me a clear overview of each loan file. I can easily track income trends over time and even use the chat interface to ask for specific loan details or discrepancies.”
“The dynamic interface extracts data from all documents and presents everything needed for income calculation and verification on a single screen. It’s a game-changer for auditors, making reviews faster and more efficient by keeping everything in one place.”

Transform Mortgage Audits with AI-Powered Income Calculation & Verification

Why spend hours on tedious manual calculations or risk errors with outdated tools? Infrrd Ally automates borrower income verification, ensuring accuracy, compliance, and efficiency in every audit.
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  • Handles complex income scenarios including self-employment, gig work, and variable pay
  • Automatically applies mortgage guidelines like Fannie Mae, Freddie Mac, FHA, and VA standards
  • Identifies discrepancies in income documents before they lead to compliance issues
  • Generates audit-ready reports in minutes, streamlining loan approvals
See Ally in Action—Book a demo now and discover how it can revolutionize your mortgage audits.

Recognition

Leader
Leader in IDC MarketScape 2023
Leader
10 Gartner’s IDP Research including hype cycle reports 2023
Leader
Leader in ISG Provider Lens™ (IPL) Quadrant study 2023
Leader
Star Performer in Everest Group’s PEAK Matrix® for the fourth consecutive year
Leader
Recognized as a Leader in Zinnov Zones 2024
Leader
Leader in IDC MarketScape 2023
Leader
10 Gartner’s IDP Research including hype cycle reports 2023
Leader
Leader in ISG Provider Lens™ (IPL) Quadrant study 2023
Leader
Star Performer in Everest Group’s PEAK Matrix® for the fourth consecutive year
Leader
Recognized as a Leader in Zinnov Zones 2024
WithoutBG_Peekaboo (1)

Redefine the Impossible with Infrrd

Witness the dynamic capabilities of AI-driven automation reshape your workflows
Claim Your No-cost Demo

Intelligent Document Processing Solutions for

Superior Accuracy.

Accelerated Growth.

Robust Compliance.

Streamlined Operations.

Superior Accuracy.

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