Baleen Solutions
- Company typePrivate
- Founded2017
- HeadquartersSummerville, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
Baleen Solutions firmographics
Firmographics- Name
- Baleen Solutions
- Legal name
- Baleen Solutions, LLC
- Website
- https://baleensolutions.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Baleen Solutions industry classification
Industry- Product category
- Mortgage Lending Technology
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199)
- akta.pro primary industry
- Income, Employment & Asset Verification (VOI/VOE/VOA) (FSALALAF)
- akta.pro secondary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
Keywords
Where Baleen Solutions is headquartered
LocationHeadquarters
- HQ city
- Summerville
- HQ country
- United States
- HQ region
- North America
Markets served
Baleen Solutions business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations, Others
Revenue model
- Baleen Lending Subscription: Per-user monthly subscription model with tiered pricing based on billing cadence (annual vs monthly). Includes unlimited cash flow analyses, Fannie Mae Income Calculator export, and reporting capabilities. Enterprise tier adds API integration, custom reporting, and custom analysis features at negotiated pricing.
- Baleen API Services: API-based usage for technology integrators and enterprise customers, enabling in-line document analysis within loan origination or point-of-sale systems. Pricing adapts to customer goals and requirements with custom arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Per seat | Annual | Baleen Lending - Per user subscription at $25/month (annual) or $30/month (monthly) |
| Subscription | Multi-year contract | Baleen Enterprise - Custom pricing for medium and large organizations |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Baleen Solutions product offering
Product offeringCore offering
Baleen Solutions provides cloud-based AI software that automatically extracts and analyzes data from borrower tax returns (1040, Schedule C, K1, 1120/1120S) and converts them into structured cash flow analyses for mortgage qualification. Its products (Baleen Lending SaaS and Baleen Vision API) identify add-backs, flag missing forms, and export results directly to Fannie Mae's Income Calculator for rep and warrant relief.
Product overview
Baleen Solutions offers a fintech platform centered on automated self-employed income analysis for mortgage lenders. The core product is Baleen Lending, which converts tax returns into cash flow analyses and integrates directly with Fannie Mae's Income Calculator. Baleen API (Baleen Vision API) provides developer access for document-to-structured-data conversion. Baleen Enterprise extends the core platform with API integration, custom reporting, and organization-specific underwriting configurations. The company's technology was branded as Income CalculationX following its acquisition by Xactus in 2026. The product family enables lenders to automate income verification, reduce manual processing, and achieve rep and warrant relief through Fannie Mae integration.
Differentiator
Problem solved
Functional benefit
Brands
- Baleen Lending: Automated self-employed income analysis platform for mortgage lenders that converts tax documents into cash flow analyses and exports to Fannie Mae's Income Calculator.
- Baleen API (Baleen Vision API)
Products and services
- Baleen Lending Baleen Lending is the core SaaS product that converts uploaded tax returns (PDFs and images) into structured cash flow analyses in seconds for mortgage lenders. It identifies and categorizes ordinary, self-employed, rental, partnership, and corporate income by filer and entity, flags missing forms, and exports results as a PDF report or JSON for direct import to Fannie Mae's Income Calculator.
- Baleen API (Baleen Vision API)
Quantifiable outcome
- Reduces loan production time by up to 40% when fully digitized, saving up to 12.4 hours per loan
- +3 more outcomes
Companies that use Baleen Solutions
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Baleen Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability6 records
Feature8 records
Baleen Solutions partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Fannie MaecoreBaleen Solutions is an approved Fannie Mae Technology Service Provider with integration to Fannie Mae's Income Calculator tool. The partnership enables lenders to export data directly from Baleen to Fannie Mae's Income Calculator for automated income calculation, providing rep and warrant relief on income calculations for loans delivered to Fannie Mae. The integration expanded in February 2025 to include rental income support in addition to self-employed income.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Baleen Solutions competitors and assessment
Company assessmentOthers
- Plaid: Financial data connectivity layer used by lenders to verify borrower assets, income, and bank account data. Comparable to Baleen as adjacent infrastructure in the lender verification stack, providing a different data source (bank transactions) rather than tax return analysis.
Broad incumbents
- Equifax Workforce Solutions (The Work Number): Dominant employment and income verification database owned by Equifax, used by mortgage lenders for VOE. Comparable to Baleen because it addresses the same verification workflow that Baleen serves, but at much larger scale and primarily for W-2 income rather than self-employed tax return analysis.
- ICE Mortgage Technology (formerly Ellie Mae): Largest mortgage origination technology platform (Encompass LOS) used by the majority of US mortgage lenders. Comparable to Baleen as the dominant loan origination system into which Baleen-style income analysis tools are integrated via APIs and partner ecosystems.
- Blend: Digital banking and mortgage platform providing consumer-facing point-of-sale and verification workflows for lenders. Comparable to Baleen because both compete for lender software budgets in the mortgage application and income verification stages.
Emerging players
- Roostify: Digital mortgage platform offering POS, verification, and e-close workflows to mid-market and enterprise lenders. Comparable to Baleen because it sits in the same mortgage tech stack and offers API-driven verification integrations that overlap with Baleen Enterprise.
- Ocrolus: Document AI platform that classifies, extracts, and analyzes financial documents (bank statements, paystubs, tax forms) for lenders. Directly comparable to Baleen Vision API because both apply machine vision to unstructured financial documents for lending decisions.
Direct peers
- Truework: Income and employment verification network used by mortgage lenders, consumer lenders, and background check providers. Comparable to Baleen because it automates the income/employment verification step that Baleen tackles for self-employed borrowers via tax return extraction.
- FormFree: Mortgage-focused asset, income, and employment verification platform that competes head-to-head with Baleen on automated verification of borrower financials for loan qualification. Both target self-employed and complex-income borrowers and integrate into LOS/POS workflows.
- Argyle: Income and employment data platform providing real-time access to paystub, employment, and payroll records via direct-source connections. Comparable to Baleen as an alternative automated income verification pathway for mortgage and consumer lenders, particularly for gig and W-2 income.
- Xactus: Verification solutions provider for the mortgage industry and Baleen's acquirer (February 2026). Directly comparable because both serve mortgage lenders with income, employment, and asset verification data products, and Baleen's Income CalculationX is now embedded in the Xactus360 platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Baleen Solutions social profiles
Digital presenceBaleen Solutions compliance and trust
Trust signalCompliance3 records
Baleen Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Baleen Solutions leadership team
Management profileNumber of profiles
Profiles1 record
Baleen Solutions funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Baleen Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Baleen Solutions
What does Baleen Solutions do?
Baleen Solutions provides cloud-based AI software that automatically extracts and analyzes data from borrower tax returns (1040, Schedule C, K1, 1120/1120S) and converts them into structured cash flow analyses for mortgage qualification. Its products (Baleen Lending SaaS and Baleen Vision API) identify add-backs, flag missing forms, and export results directly to Fannie Mae's Income Calculator for rep and warrant relief.
Is Baleen Solutions a public or private company?
Baleen Solutions is a private company. It is classified as corporate owned and is currently acquired.
When was Baleen Solutions founded?
Baleen Solutions was founded in 2017. It employs 1 to 10 people.
Where is Baleen Solutions based?
Baleen Solutions is headquartered in Summerville, United States, in the North America region.
How does Baleen Solutions make money?
Two revenue lines are on record. Baleen Lending Subscription is the primary driver. The others are baleen API Services.
Who are Baleen Solutions's main competitors?
Plaid is listed as an others. Broad incumbents are Equifax Workforce Solutions (The Work Number), ICE Mortgage Technology (formerly Ellie Mae) and Blend. Emerging players are Roostify and Ocrolus. Direct peers are Truework, FormFree, Argyle and Xactus.
Does Baleen Solutions have an API?
Yes. Baleen API (also known as Baleen Vision API) provides document-to-structured-data conversion for PDFs and images. It enables developers to add fast and accurate tax-reading capabilities to their tech stack. The API is hosted exclusively on US-based cloud servers with end-to-end encryption and SOC 2 PII report pending. Baleen is flexible and can integrate with tech stacks to provide form data along with confidence values and processing. Access is available by request through the contact page.
What industry is Baleen Solutions in?
Baleen Solutions's product category is Mortgage Lending Technology. Its primary akta.pro industry code is FSALALAF, Income, Employment & Asset Verification (VOI/VOE/VOA), with a secondary code of FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 5223 and its SIC code is 6162.