BURLINGAME, CA / ACCESS Newswire / September 29, 2026 / PointServ, a provider of digital verification solutions for the mortgage industry, today announced support for wage-earner evaluations via Fannie Mae's Income Calculator, enabling lenders to automate income analysis using borrower pay stubs while helping maximize qualifying income.
Through the PointServ platform, lenders can obtain pay stubs through consumer-permissioned payroll connections or borrower-uploaded documents. PointServ extracts wage and earnings data and delivers a standardized data file to Fannie Mae's Income Calculator, which returns the calculated qualifying income that can be incorporated directly into underwriting workflows.
The Income Calculator applies Fannie Mae's standardized methodology to evaluate hourly wages, overtime, bonuses, and other variable earnings. This helps lenders analyze wage-earner income more efficiently and consistently, while supporting eligibility for relief from representations and warranties related to income calculation
Income calculation remains one of the more manual steps in mortgage underwriting. By automating pay stub data extraction and integrating it with Fannie Mae's calculation framework, lenders can reduce manual entry, improve consistency, and accelerate loan processing while helping ensure borrowers receive full consideration of their eligible income.
"Pay stub analysis is a routine but time-consuming part of mortgage underwriting," said Matt Ellis, SVP at PointServ. "Integrating wage data extraction from pay stubs with Fannie Mae's Income Calculator allows lenders to automate income analysis and maximize qualifying income for borrowers."
The integration enables lenders to transmit pay stub data to Fannie Mae's Income Calculator through the PointServ portal or API. Fannie Mae's Income Calculator Findings Report PDF is included in the PointServ results.
This capability complements PointServ's broader set of data connections and income calculation tools, helping lenders access borrower financial data and analyze income through a single integrated platform.
About PointServ
PointServ provides verification solutions for the mortgage industry, enabling lenders to obtain and analyze borrower financial data through a secure digital platform and API. The company supports verification of assets, income, employment, tax transcripts, and identity through integrations with thousands of financial data sources.
Contact Information
Matt Ellis
(855) 298-8400
SOURCE: PointServ, Inc.
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