Analyze

Retrieve analytics on captured documents and third-party data

Ocrolus's analytics endpoints allow you to retrieve insights about documents that you previously captured or third-party data. These analytics range from financial insights to personal or business bank statements to estimating gross income from pay stubs and W2s.

Consumer analytics

Income analytics

Income analytics provide insight into an individual's earnings by calculating gross monthly and annual income. Gross monthly income is then broken down into base, bonus, overtime, and commission. This information helps lenders assess risk and manage exposure by understanding a customer’s income and ability to service debt.

Ocrolus’s income analytics allow you to:

  • Reduce human error
  • Save time by reducing manual calculations
  • Increase the number of loans that can you can process in a month
  • Improve the borrower experience by speeding up the underwriting process

Example - income analytics using pay stubs

        {
            "status": 200,
            "message": "OK",
            "response": [
                {
                    "book_uuid": "d290f1ee-6c54-4b01-90e6-d701748f0851",
                    "person": {
                        "name": "John Doe",
                        "matched_names": [
                            "John Doe",
                            "John H. Doe",
                            "Jonathan Doe"
                        ]
                    },
                    "calculated_at": "2016-08-29T09:12:33.001Z",
                    "currency": "USD",
                    "estimated_gross_income": {
                        "monthly_base": "5000",
                        "monthly_overtime": "1000",
                        "monthly_bonus": "2000",
                        "monthly_commission": "2000",
                        "annual_income": "120000"
                    }
                },
                {
                    "book_uuid": "d290f1ee-6c54-4b01-90e6-d701748f0851",
                    "person": {
                        "name": "Jane Doe",
                        "matched_names": [
                            "Jane W. Doe",
                            "Jane Doe",
                            "Janette Doe"
                        ]
                    },
                    "calculated_at": "2016-08-29T09:12:33.001Z",
                    "currency": "USD",
                    "estimated_gross_income": {
                        "monthly_base": "6000",
                        "monthly_overtime": "1000",
                        "monthly_bonus": "2000",
                        "monthly_commission": "2000",
                        "annual_income": "130000"
                    }
                }
            ]
        }

Small business analytics

Bank statement analytics

Bank statement analytics provide insight into the following resources for individuals and businesses:

  • Cash flow
  • Transactions
  • Balances
  • Debt capacity

Example - bank statement analytics

        {
          "status": 200,
          "message": "OK",
          "response": {
            "average_by_month": {
              "03/2014": "695.78",
              "04/2014": "658.02"
            },
            "average_daily_balance_weekday": "1273.91",
            "average_daily_balance_weekday_by_month": {
              "11/2016": "1279.77",
              "10/2016": "1254.76",
              "09/2016": "1229.76",
              "12/2016": "1304.78"
            },
            "pk": 10399,
            "name": "Case Size",
            "bank_accounts": [...],
            "period_balance_mismatches": [],
            "round_number_txns": [],
            "alternative_lender_transactions": [],
            "total_days": 30,
            "activity_info": {
              "active": [
                {
                  "start": {
                    "year": 2014,
                    "month": 3
                  },
                  "end": {
                    "year": 2014,
                    "month": 4
                  }
                }
              ],
              "missing": []
            },
            "date_min_max": {
              "max_txn_date": "04/11/2014",
              "min_txn_date": "03/28/2014"
            },
            "book_pk": 10399,
            "account_type": "Checking",
            "account_category": "PERSONAL ACCOUNT",
            "account_holder": "Jane Doe",
            "account_number": "00000000",
            "holder_zip": "10005",
            "holder_state": "NY",
            "holder_city": "New York",
            "holder_address_1": "44 Wall Street",
            "holder_address_2": "Suite 703",
            "periods": [
              ...
            ],
            "average_daily_balance_by_month": {
              "03/2014": "4410.29",
              "04/2014": "1200.82"
            },
            "estimated_revenue_by_month": {
              "03/2014": "114410.19",
              "04/2014": "121200.42"
            }
          },
          "average_deposit_by_month": {
            "03/2014": "695.78",
            "04/2014": "658.02"
          },
          "average_daily_balance_by_month": {
            "03/2014": "4410.29",
            "04/2014": "1200.82"
          },
          "estimated_revenue_by_month": {
            "03/2014": "114410.19",
            "04/2014": "121200.42"
          },
          "deposits_count_by_month": {
            "03/2014": 30,
            "04/2014": 25
          }
        }

Next steps

To get started, create a Book and upload Documents for processing.

Once the Book is processed, download your results using the appropriate results endpoint:


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