Statement review tools for mortgage brokers

Borrower statements drive underwriting questions. Convert them into spreadsheets to find the deposits that need sourcing — before the underwriter finds them first.

Drag & drop statement PDFs hereor tap to choose files — multiple PDFs for batch mode

Privacy: uploaded files and generated exports are stored only briefly to complete your download and are automatically deleted within 15 minutes. Files are never used for any other purpose.

The pre-underwrite review

Most statement-related conditions trace back to a handful of large deposits, transfers between accounts, or a month that does not connect to the next. A broker who converts the borrower's statements and sorts by amount sees the whole file the way an underwriter will — while there is still time to gather sourcing paperwork calmly.

Bank-statement programs

For self-employed borrowers on deposit-history programs, the file is built from twelve to twenty-four months of statements. Converting that history into one combined file makes deposit averaging, transfer exclusion and consistency checks practical instead of heroic.

Originals still rule

Lenders require the bank-issued statements themselves. The converted files are the broker's analysis layer — preparation, never a substitute document.

The workflow, step by step

Collect complete statements. Every page of every required month, for every account holding funds to close or income being used.
Convert and sort. Build one combined file and sort deposits by size to find what needs sourcing.
Prepare explanations early. Match each large deposit to its paper trail before submission.
Submit originals. Send the lender the bank-issued PDFs; keep the analysis file in the loan folder.

These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.

Questions and answers

What counts as a large deposit?

Under common agency guidance, a deposit larger than half of the borrower's total monthly qualifying income is treated as large and must be sourced. Lender overlays vary — check the program.

What does the reconciliation check do?

Where the statement prints opening and closing (or running) balances, the converter adds up the extracted transactions and compares the result with the statement itself. If the numbers do not tie, the conversion is flagged and the mismatched rows are marked — a failed check is never shown as a success.

Are my statement files kept?

No. Uploaded files and generated exports are stored only briefly to complete the download and are automatically deleted within 15 minutes.

Bank statements in. Clean books out.

Your first conversion is free — no card, no sign-up — and every result is reconciled against the statement itself before you download it.

Convert a statement — free