Balance tie-out
Opening balance plus credits minus debits must equal the closing balance, within a penny.
For mortgage brokers and processors
Check the statements before underwriting does.
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Running balance
Each row has to continue from the line above. A broken chain stays in the review queue.
Month to month
One statement’s closing balance has to be the next statement’s opening balance. Missing months are listed.
Guides
How brokers work through bank-statement income, large deposits, and the worksheet.
Browse all 25 guidesStatementReady prepares the worksheet. The broker and the underwriter still verify every figure against the lender's guidelines. Source PDFs are marked to purge 30 days after the loan file is opened.