# How Pinnacle Bank uses Ocrolus

**30 minutes**: “Hours to 30 minutes: self-employed and rental income files now take 30 minutes at most”

As published on [ocrolus.com](https://www.ocrolus.com/customer-stories/pinnacle-bank-complex-income-30-minutes-ocrolus/), October 2026. Captured by usedby on 2026-10-30.

- Company: [Pinnacle Bank](https://www.usedby.ai/companies/pinnacle-bank.md)
- Tool: [Ocrolus](https://www.usedby.ai/tools/ocrolus.md)
- Teams: loan officers, processors, underwriters

## The use case: how Pinnacle Bank deploys Ocrolus

Pinnacle Bank uses Ocrolus inside Encompass to automatically classify and label borrower documents in the eFolder and to calculate qualifying income once at pre-approval, so loan officers, processors and underwriters work from the same figure. It is also starting to roll out Inspect to compare borrower documents against the 1003 and flag discrepancies.

Summary written by usedby from the source page, in English. The figures are those of Ocrolus and Pinnacle Bank, not ours.

> Self-employed borrowers with net cash flow from rentals, those are significant time lifts for us in those files; we’re spending hours and hours to calculate. Now we’re able to cut that down to 30 minutes at the most,” Ostdiek said.

- **30 minutes**: “30 minutes saved per file: less document cleanup for processors and underwriters”

> At every opportunity that I dealt with somebody from Ocrolus, they’ve exceeded expectations right from the beginning throughout the process. Each person that we’ve come in contact with is an expert in the field and knows what they’re talking about.
>
> Jesse Ostdiek, Senior Vice President and Secondary Mortgage Market Manager

Source: [ocrolus.com](https://www.ocrolus.com/customer-stories/pinnacle-bank-complex-income-30-minutes-ocrolus/), captured 2026-10-30.

## Other companies using Ocrolus

- [American Federal Mortgage](https://www.usedby.ai/companies/american-federal-mortgage.md) — Confirmed
- [Argyle](https://www.usedby.ai/companies/argyle.md) — Confirmed
- [Banclease Acceptance](https://www.usedby.ai/companies/banclease-acceptance.md) — Confirmed
- [Beacon Funding](https://www.usedby.ai/companies/beacon-funding.md) — Confirmed
- [Eagle Community Credit Union](https://www.usedby.ai/companies/eagle-community-credit-union.md) — Confirmed
- [Expansion Capital Group](https://www.usedby.ai/companies/expansion-capital-group.md) — Confirmed

## What usedby checked

We compared the story with its live page on 2026-10-30.

- Checked: the figure 30 minutes is printed word for word on the page, near the name of Pinnacle Bank.
- Checked: the passage quoted above is copied word for word from the page, near the name of Pinnacle Bank.
- Checked: each number in our summary is printed on the page.
- Checked: the publication date is read from the page’s own metadata, never guessed.
- Checked: Pinnacle Bank uses Ocrolus. Confirmed line. Latest check across sources: 2026-10-30.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/pinnacle-bank-ocrolus · How we check: https://www.usedby.ai/methodology