Analyze Your Bank Statements for Mortgage Pre-Approval with AI

If you are applying for a mortgage in the US to buy a house, you already know the underwriter is going to ask for 2-3 months of your most recent bank statements. What you might not know is that they are actively looking for reasons to deny your loan or delay your closing.

A single unexplained $500 Venmo deposit or an overlooked $35 overdraft fee can throw a massive wrench in your homebuying process.

Audit Your Statements Before the Underwriter Does

Instead of hoping for the best, you can use our Bank Statement Analyzer to proactively audit your PDF statements for the exact same red flags the underwriter is looking for.

What the AI flags:

• Large Undocumented Deposits: It finds unusually large transfers that you will need to write a "Letter of Explanation" for.
• NSF / Overdraft Fees: It highlights bounced checks or overdraft fees that signal financial instability to a lender.
• Undisclosed Debts: It finds recurring payments to collection agencies or personal loan companies that you didn't list on your mortgage application.

A Safer Alternative to Plaid

Many mortgage apps ask you to log into your bank account using Plaid, giving them full access to years of your transaction history. With PDF Pro, you simply upload the PDF statement. Our WebAssembly engine processes the file locally in your browser. You get the insights you need without ever linking your actual bank account credentials.