Incomp: Calculate Home Costs, Budget Beyond Your Mortgage

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Better borrower connections

We help traditional lenders compete for mortgage business

Homebuyers are rate shopping online. We help bridge the market access gap with a rate portal.

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A new model

Incomp centralizes live lender

rates for digital shoppers

Incomp centralizes live lender

rates for digital shoppers

Incomp centralizes live lender

rates for digital shoppers

The new dominant borrower is getting 3-4 quotes (previously only 1-2) with online lenders taking marketshare. Credit Unions, Community and Regional banks are getting overlooked.

Lenders need a new model to market rates to young borrowers

Why Incomp

(1) user completes document collection with us

(2) we summarize financials and ping onboarded lenders for rates

(3) users browse and select an offer, we connect the two parties

Better Connections

Users select their preferred rate, so introductions mean highly motivated borrowers from the first interaction.

Improved incentive structure

No more costly lead gen fees- lenders pay only for successful closings.

Increased LO efficiency

Loan officers can focus on closing instead of fielding indicative interest and sales calls.

Lenders need a new model to market mortgages to young borrowers

Why Incomp

(1) we handle initial doc collection

(2) we summarize financials and ping onboarded lenders for rates

(3) users browse and select an offer, we connect the two parties

Better Connections

Users select their preferred mortgage or refinancing rate, so introductions mean highly motivated borrowers from the first interaction

Improved incentive structure

Lead gen has low success rates and annoys borrowers. Our lenders pay only after successful closings.

Increased LO efficiency

Our model is the only way to increase market access and improve margins at no up-front cost.

For Loan Officers

We’ll keep you in the loop and notify you when your region is available for future onboarding.

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For Lender Representatives

Get in touch with our founding team to learn more about about onboarding opportunities in 2025.

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We collect upfront financials

Users complete a minimum document upload threshold with us. We verify declared income, check major account balances (via 3rd parties), run a soft credit pull and then ping onboarded lenders for rates via our API.

You relay rates

Lenders can anonymously market competitive rates to any approved state. When a user selects a relayed rate, we introduce the parties and allow document share to get the process started. This eliminates multiple weeks of back and forth, so loan officers connect with motivated borrowers.

Our Solution

Incomp addresses the biggest pain points in the borrower-lender journey

Widely sharing financials, sales calls and delayed document collection are the biggest factors driving Millennials away from traditional lenders.     

A new industry model

Traditional lenders can pioneer a new model that is scalable nationwide

Traditional lender marketshare has fallen to just a quarter of originations. Incomp can stabilize and help reverse the trend.