Release Notes

This release adds a RECURRING_EXPENSE_ADDRESS section to BSIC, introduces trend-aware logic for Capital Gains and Interest/Dividend income, and expands Dynamic Mapping coverage for SS Award Letter, Annuity Award Letter, and Closing Disclosure in Encompass. Analytics endpoints now support async processing via async=true, with a new GET /v2/analytics/jobs/{job_id} endpoint to poll for results. The SMB Dashboard has been redesigned into a single unified experience covering Book overview, Transactions, Account summary, Revenue formula, and Tag management. The SMB how-to video library has been refreshed with new recordings and two new sections, Detect and Encore, along with expanded support for additional Classify form attributes and a new Capture document. The doc site now includes a product SKU reference, covering every product available across the platform with descriptions, units of measure, and applicable verticals.

What's new?

SMB

How-to videos

The SMB how-to video library has been refreshed with new recordings across all sections. The following two new sections have also been added:

• Detect: New section covering how to identify document tampering and interpret authenticity signals in SMB workflows
• Encore: New section covering how to share and receive Books with lending partners through permissioned, workflow-native sharing

The SMB and Mortgage how-to video pages have been refreshed with an improved look and feel. Existing videos have been updated with new recordings, and the previously separate rename and delete Book videos have been consolidated into a single video.

To learn more, see the SMB how-to-videos page.

Analyze

Async analytics

Analytics endpoints now support asynchronous processing. Add async=true to any supported analytics endpoint to run the request as a background job and receive a job_id immediately instead of waiting for the full response inline. The result payload is identical to the synchronous response, delivered via a temporary download URL. Async mode is required for Books with more than 100,000 transactions. Books exceeding 1,000,000 transactions are rejected with 422 (error code 1100).

This query parameter is available for the following endpoints:

• Book summary analytics - JSON
• Cash flow features
• Enriched transactions
• Cash flow risk score
• Lender analytics (Excel)

New job async job status endpoint

A new endpoint GET /v2/analytics/jobs/{job_id} is available to check the progress and retrieve the result of an async analytics job. After submitting a request with async=true, poll this endpoint every few seconds until the job reaches a terminal state. When the status is DONE, the response includes a result_url, a temporary pre-signed download link to retrieve the analytics payload. When the status is FAILED, the response includes an error field describing the reason. The job and its result_url expire 24 hours after creation.

To learn more, see the Async job status API reference page.

Classify and Capture

New Classify and Capture supported document

The Classify and Capture supports are enabled for the following newly onboarded document:

Identification

• I-20 (Certificate of Eligibility for Nonimmigrant Student Status)

To learn more, see the All Supported Documents page.

Global

Product SKU reference

The Ocrolus product SKU reference is now on the doc site. It covers every product available across the platform, Core, SMB, Mortgage, and Consumer, with descriptions, units of measure, and applicable verticals. To learn more, see the Product SKU reference page.

Enhancements

Mortgage

BSIC - cell address update

A new Recurring Expenses section has been added to the Bank Statement Income Calculator (BSIC) spreadsheet and now accessible via RECURRING_EXPENSE_ADDRESS. This enhancement gives you deeper visibility into recurring expense data as part of the income calculation workflow. However, this addition has caused a downward shift for several existing output cell addresses. If your integration references BSIC cell addresses programmatically, you must update those references to reflect the latest values.

Update all affected constant references in your integration to the latest cell addresses. Refer to the latest BSIC spreadsheet for the exact updated values. For questions or help updating your integration, contact your Ocrolus account team or reach out at [email protected].

Migration Example

    EXPENSE_FACTOR_TYPE_ADDRESS = "F19"
    NSF_ADDRESS = "G18"

    EXPENSE_FACTOR_TYPE_ADDRESS = "F22"
    NSF_ADDRESS = "G31"

Capital Gains and Interest/Dividend income - trend-aware calculation

Ocrolus Analyze now applies trend-aware logic when calculating Capital Gains (Schedule D) and Interest/Dividend (Schedule B) income.

• If the most recent year's income is $0, the system recommends $0, no 2-year averaging is applied
• If income is declining year-over-year, the most recent year's figure is used instead of the 2-year average
• The 2-year average is retained only when income is stable or increasing

A new alert now prompts underwriters to document continuance of the underlying asset for a minimum of 3 years, per Fannie Mae guidelines, whenever either income type is used in qualification.

To learn more, see the Self-employed income calculation and Other income calculation.

Dynamic mapping - new fields supported

Dynamic mapping now automatically populates the following additional fields into Encompass, eliminating the need for manual entry after classification:

Classify and Capture

Additional attribute support

Ocrolus now offers support for the following attribute within the existing document type:

1003 (2020) - Uniform Residential Loan Application (Lender Loan Information)

• lender_loan_information_1003_2020-General:additionalBorrowerName

To learn more, see the All supported documents page.