Speed up loan underwriting with AI document analysis: bank statements, pay stubs, tax returns and applications extracted and analyzed into a decision-ready package — with cash flow, income and debt metrics computed for you.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Most underwriting delay is document drudgery: keying statements, spreading financials, chasing inconsistencies. LenderAnalyzer automates the document layer of underwriting — extraction, verification and metric computation across bank statements, pay stubs, W-2s, tax returns and more — so underwriters review evidence instead of typing it.
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.
Software that automates parts of the loan decision process. LenderAnalyzer focuses on the document and analysis layer: extracting borrower documents, verifying income, analyzing cash flow and computing the metrics your credit policy uses.
Bank statements (the core), pay stubs, W-2s, 1099s, personal and business tax returns, P&L statements, balance sheets, debt schedules, credit reports, loan applications (Form 1003), rent rolls and more — 28 lending document types out of the box.
Yes — a downloadable Excel underwriting report with key metrics, monthly cash flow, recurring income streams, detected debt payments and risk flags, plus raw data exports.
Yes. The REST API returns structured JSON per document, and webhooks notify your system when analysis completes — so it slots into an existing LOS or decision engine as the document-intelligence layer.
LenderAnalyzer automates document analysis and metric computation — the evidence layer. Your credit policy and decision rules stay yours, applied by your team or your decision engine on top of clean, verified data.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
