Mortgage-ready in 30 seconds
Bank statement for mortgage
Upload your PDF and see exactly what your lender sees — income consistency , DTI , red flags , and a full AI breakdown you can submit with confidence.
What you'll get
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
$1,850
Largest expense
$103
Avg / transaction
22
Active days
Saturday
Busiest day
AI Insight
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
Spending breakdown
$4,844 across 7 categories
Financial Health
Recurring · $4,188/yr
Potential monthly savings
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
What mortgage lenders actually look for
When you hand over 3 months of bank statements, the underwriter isn't just verifying your balance. They're running a pattern check across 5 dimensions. Here's exactly what they look for — and what our AI flags automatically.
Consistent income
Lenders want the same employer depositing the same amount every 2 weeks or month. Irregular income — freelance spikes, gaps, cash deposits — triggers extra scrutiny.
Debt-to-income ratio (DTI)
Every recurring payment you make (subscriptions, loan repayments, credit card minimums) counts against your DTI. Most lenders want DTI under 43%. Our tool detects all recurring charges automatically.
No overdrafts or NSF charges
A single overdraft fee in the last 3 months is a yellow flag. Multiple NSF (non-sufficient funds) charges are a red flag — they suggest you're spending right up to the limit.
No large unexplained deposits
A sudden $10,000 deposit the month before applying looks like borrowed money used as a down payment. Lenders want to see that funds are genuinely yours and have been sitting in your account.
No gambling transactions
Casino deposits, sports betting apps, and online gambling platforms show up clearly in bank statements. Even occasional gambling can cause lenders to question financial stability.
See your statement the way your lender does
Upload your bank statement PDF and get a complete breakdown in under 30 seconds — the same picture your underwriter builds by hand, done automatically.
Upload your PDF
Any bank, any format. PDF, image, or scanned copy. No login required.
AI categorizes everything
Every transaction is labeled — income, subscriptions, debt repayments, gambling, cash. Exactly the breakdown an underwriter creates.
Export and submit
Download a clean Excel or CSV file to send to your broker — or use the AI Copilot to ask specific questions before you apply.
Ask the AI: will my application be approved?
After you upload your statement, the AI Copilot in your dashboard can answer mortgage-specific questions directly from your data. Ask it anything — it has read your actual transactions, not a generic summary.
Think of it as a pre-flight check with a mortgage analyst, before you sit across from the real one.
Will my bank statement pass a mortgage check?
Based on your last 3 months: income is consistent at ~$6,200/month. DTI looks clean — no large recurring payments outside your disclosed mortgage. One overdraft fee in February is a minor flag but unlikely to block approval alone. No gambling or unexplained deposits detected.
Do I have any red flags a lender would spot?
One item to watch: a $4,800 cash deposit in March with no matching payroll pattern. Lenders may ask you to explain the source. Everything else looks standard — payroll deposits on the 1st and 15th, utilities, subscriptions, and groceries only.
Example responses. Your AI Copilot answers based on your actual uploaded statement data.
Red flags lenders look for — before you even know they're there
Most mortgage rejections aren't because of bad credit — they're because one line in a bank statement raised a question the applicant couldn't answer. Spot these before your lender does.
Upload your statement and the AI will flag any of these automatically — so you can address them before submitting to your lender.
More than just categories
Real financial clarity from your bank statement.
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Potential monthly savings
$227/mo
Potential monthly savings
$227/mo
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Analyze your own statement
Upload a PDF, get your full report in 30 seconds.
Pricing
See where your money goes
Upload a statement and get answers in seconds. No card required.
- 1 analysis per month
- Up to 50 transactions
- Auto-categorized spending
- Visual spending charts
- Export to CSV & Excel
- 500 pages per month
- Up to 100 transactions
- Everything in Free
- Find forgotten subscriptions
- AI spending insights
- 12-month history
- Everything in Basic
- Unlimited pages
- Unlimited transactions
- Smart receipt scanning (5/mo)
- Priority support
Free tools to prepare your mortgage application
Use these alongside your bank statement analysis to build a complete picture before you apply.
FAQ
Bank statement for mortgage —
questions & answers
Related reading
Bank Statements for Mortgage Applications
What lenders look for, how many months they require, and red flags to avoid.
Bank Statements for Self-Employed Mortgages
SA302s, accountant letters, and what lenders want from sole traders.
Bank Statements for a Business Loan
How business lending assessments differ from residential mortgage checks.