Verify income from the documents borrowers already have: bank statements, pay stubs, W-2s and tax returns — with recurring deposits detected automatically and cross-checked against stated income.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Payroll APIs only cover W-2 employees at participating employers. Statement-based verification works for everyone — gig workers, business owners, landlords, retirees. LenderAnalyzer detects recurring deposits across months, groups them into income streams with estimated monthly amounts, and lets you reconcile against pay stubs, W-2s and returns processed in the same platform.
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.
It extracts all credits, groups recurring deposits by source, and estimates monthly income per stream — payroll, benefits, rental income or business revenue — based on actual deposit history rather than self-reported figures.
That is where statement-based verification shines: irregular but recurring deposits from platforms, clients or merchant processors are detected and totaled into a defensible monthly income estimate.
Yes — pay stubs, W-2s, 1099s and tax returns are extracted in the same platform, so you can compare stated wages against observed deposits and spot inconsistencies.
Deposit concentration flags, round-number patterns and gaps between claimed and observed income help surface manufactured statements for manual review.
You stay in control of the decision process; LenderAnalyzer documents the evidence trail — every figure links to source transactions, supporting ability-to-repay documentation requirements.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
