The document-intelligence core of an automated underwriting system: AI extraction and analysis of bank statements and borrower financials, returning structured metrics your decision rules can consume via API.
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Upload a bank statement and watch the analysis run live — free, no signup required.
A true automated underwriting system needs clean inputs before any rules can fire. That input layer is where most automation projects stall — borrower documents are messy, unstructured and inconsistent. LenderAnalyzer solves exactly that: every statement, stub and return becomes structured, verified data with underwriting metrics pre-computed, delivered to your rules engine by API.
Computed deterministically from every extracted transaction — every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period — a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos — one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box — build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
An AUS evaluates loan applications with software instead of fully manual review — combining document analysis, data verification and credit-policy rules. LenderAnalyzer provides the document analysis and verification layer that feeds such systems.
It ingests borrower documents, extracts and verifies the data, computes cash flow/income/debt metrics, and returns structured JSON via API — the clean inputs your decision rules or scorecard need.
Absolutely. Many customers use the web app directly: upload documents, read the underwriting snapshot, download the report — automation benefits without building a rules engine.
DU and LPA are agency AUSs for conforming mortgages. LenderAnalyzer is complementary — it automates document analysis for any loan type: business lending, MCA, equipment finance, private credit and non-QM.
Statements are typically processed in under two minutes end to end, with webhook notification on completion — fast enough for same-call decisions in sales-assisted flows.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
