Bank statement analysis for mortgage and loan applications
Upload your statements and see what the underwriter will see: deposits by source, regular vs one-off income and anything they will ask you to explain.
Upload your bank statementAnalyze my statementPDF from any bank. Scans and photos work too.Encrypted in transitPDF deleted after analysis
1,000+ statements analyzed · See a sample report
What a lender checks in your bank statements
An underwriter reads your statements for five things: deposits that match the income you stated, large deposits they can trace to a source, enough money for the down payment, closing costs and reserves, recurring payments that hint at debt not on your credit report, and overdraft or NSF fees.
For a bank statement loan (self-employed, no tax-return income) they go further: they add up 12 or 24 months of eligible deposits, take out transfers between your own accounts, refunds and loan proceeds, and apply an expense factor to business accounts. The bank statement loan calculator shows that math step by step, and the bank statement verification guide covers how lenders confirm the statements are real.
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
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8 subscriptions found · $349/mo
What the report shows for a loan file
Everything below comes from the transactions on your own statement, read and labeled by the AI.
Every income source, regular or one-off
Payroll, client payments and other deposits grouped by payer, each marked regular when it repeats. You also see the share of income that is regular, the average payment and the days between paydays.Money in, money out, money kept
A flow chart from income to spending categories shows what each statement leaves you with. That is the cushion a lender is looking for when it checks reserves.Transfers and payments labeled
Transfers between your own accounts are labeled Transfers, not income, so they do not inflate the deposit total. Loan payments, card payments and fees sit in the transaction list where you can find and explain them.An income summary and the full transaction list
Download a one-page income summary PDF for a broker or landlord, or export every row to Excel or CSV for the loan file.
Average balance
Who uses it before a loan
Anyone who wants to see the statements the way the lender will, before they are sent.
Self-employed borrowers
Check which deposits count as income and how steady they look across 12 or 24 months before applying for a bank statement loan.
Mortgage brokers
Read a client’s statements in a minute on intake and spot deposits that need a letter of explanation before packaging the file.
Landlords and investors
Rental income shows up as its own regular source. Screening tenants instead? See tenant income verification.
Personal loan applicants
See the overdraft fees, returned payments and buy-now-pay-later installments a lender will notice, and deal with them first.
Bank statement analyzer pricing
Your first upload is free. Pay once for a single statement, or subscribe if you have many.
Pass
One statement · no subscription
- 1 upload, up to 100 pages
- Every transaction, categorized
- Subscriptions and savings found
- Report kept for a year
Pro
Most popular$144 billed yearly · save 37%
- Everything in Pass, plus
- 100 pages every month (~20 statements)
- Reports kept for as long as you want
- Priority support
Business
$372 billed yearly · save 37%
- Everything in Pro, plus
- 500 pages every month (~100 statements)
- Never blocked: $0.08 per extra page
- REST API with your own keys
Bank statement analysis for loans — FAQ
How does AI bank statement analysis for mortgage or loan application work?
You upload the statement PDF (or a scan or photo). The AI reads every transaction, names the payer or merchant and sorts it into a category. The report then shows money in and out, every income source with how regular it is, the average payment and the days between paydays, transfers kept apart from income, and every fee line. That is the same pass an underwriter makes by hand, done before you send the file.
What do mortgage underwriters look for in bank statements?
Steady deposits that match the income you stated, large deposits they can source, enough money left for the down payment, closing costs and reserves, recurring debt payments that are not on your credit report, and overdrafts or NSF fees. For a bank statement loan they also average 12 or 24 months of eligible deposits to work out your qualifying income.
How many months of bank statements do lenders need?
Conventional mortgages usually ask for the two most recent months. Self-employed borrowers on a bank statement loan provide 12 or 24 consecutive months. Personal loans and rentals often ask for three. Every page of every month has to be there, including blank pages.
Does the report calculate my qualifying income for a bank statement loan?
It gives you the inputs: total deposits per statement, each income source and whether it is regular, and transfers between your own accounts separated out. Put the monthly average into the free bank statement loan calculator to apply the expense factor and see the loan size it supports.
Does it show my average balance?
Not as a single number. The report shows money in, money out and what was kept on each statement. Lenders work out the average monthly balance from the opening and closing balance or the daily balances; the guide linked on this page shows the formula.
How do I analyze a bank statement PDF with AI?
Download the statement PDF from online banking, upload it on this page, and wait about a minute. Password-protected PDFs, scans and phone photos work too. You get a report, not a spreadsheet: income, spending by category, recurring payments and the full transaction list you can export.
Is this a mortgage approval or a credit check?
No. It reads your statements so you can see them the way a lender will and fix or explain things first. Approval depends on your credit, the property and the lender’s own rules.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
Read your statements before your lender does
Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.