[06] Product // Candor IncomeClarity
Candor IncomeClarity™.
Fast income R&W relief, in one view.
[07] The View
One number — fully explained.
IncomeClarity goes beyond spitting out a qualifying income figure — it gives lenders the full analysis and trend behind that number, so underwriters and loan officers can see how Candor got there and trust the result.
Candor’s warranted calculation, the GSE rep-and-warrant figure when it’s available, and industry-standard alternates — side by side, per income source. Pick one; Candor writes it back to the 1003 and generates the PDF.
[08] Capabilities
Core capabilities.
01
Full Income Analysis, Every Type
W-2, self-employed, gig, and complex income scenarios — not just simple salaried calculations.
02
Trend & Stability Analysis
Surfaces the underlying pattern in a borrower’s income history — not just a static average.
03
Deterministic, Explainable Output
Every calculation is auditable, aligning with Fannie Mae LL-2026-04 and Freddie Mac Bulletin 1302.8 requirements for explainable AI in credit decisions.
04
Standalone or Embedded
Adopt income analysis on its own, or run it inside full LES decisioning — a low-friction entry point before full platform deployment.
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