Cotality Introduces Cash Flow Analysis to Streamline Income Verification for Non-QM Lending

IRVINE, Calif.,  June 23, 2026 — Cotality™, a leading global property information, analytics, and data-enabled solutions provider, today announced the launch of Cash Flow Analysis, a new feature within the AutomatIQ® Borrower solution. The new tool helps lenders serve the growing market of borrowers with non-traditional income by automating and standardizing the review of a borrower’s bank statements.

The new Cash Flow Analysis feature directly addresses the significant challenges lenders face with manual bank statement reviews, which are often time-consuming, inconsistent, and error prone. By replacing cumbersome spreadsheet-based processes with Cash Flow Analysis’s built-in integrity checks and a rules-driven review process, Cotality is empowering lenders to make faster, more confident, and compliant decisions in the non-qualified mortgage (non-QM) space.

“The nature of work is evolving, and lenders need smarter tools to accurately assess borrowers who fall outside the traditional W-2 model,” said Sri Gajjala, Senior Director of Product Management at Cotality. “Our new Cash Flow Analysis capability delivers a faster, fully auditable path for lenders to confidently expand their non-QM lending. By combining speed, transparency, and intelligence, it enables lenders to serve more borrowers, make more informed decisions, and manage risk more effectively.”

Designed for complex borrower scenarios, Cash Flow Analysis consolidates bank statement data, validates document integrity, and guides reviewers through a repeatable, structured process, producing a clear, audit-ready output.

Key capabilities of Cash Flow Analysis include:

• Flexible Data Ingestion: Securely ingest data directly from financial institutions or through uploaded bank statements.

• Document Integrity Verification: Automatically identify missing statement periods, data inconsistencies, and potential document tampering.

• Guided, Rules-Driven Review: Enables reviewers to include or exclude accounts and transactions within a standardized framework, reducing subjective judgment.

• Standardized, Audit-Ready Reporting: Produces a consistent cash flow summary that can be included directly in the loan file, providing a defensible record of inputs, decisions, and calculations.

By delivering a more structured and reliable approach to deposit-based income assessment, Cash Flow Analysis allows lenders to reduce review times, minimize rework, and confidently grow their non-QM and portfolio lending business.

Cash Flow Analysis is now available. Visit cotality.com to learn more.  

About Cotality  

Cotality accelerates data, insights, and workflows across the property ecosystem to enable industry professionals to surpass their ambitions and impact society. With billions of real-time data signals across the life cycle of a property, we unearth hidden risks and transformative opportunities for agents, lenders, carriers, and innovators. Get to know us at www.cotality.com.    

Media Contact
Charity Head
Sr. External Communications Manager
chhead@cotality.com

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