File Overview
Loan File #2024-BSI-0042 · Created 03/01/2024 · Last Modified 04/02/2024
Statements Uploaded
24
PDF statements parsed
Unique Periods Covered
24
Jan-22 — Dec-23
Gaps Detected
0
No missing periods
Overlap Statements
0
No duplicates detected
NSF Events
3
Across analysis period
Large Deposits Flagged
—
≥ 150% of avg · —
Statement Coverage
100%
24 of 24 months present
Select an account to view details
Top Recurring Depositors
By total deposit volume
Loading...
File Setup
Borrower info, loan configuration, and bank statement management
Borrower / Loan Info
Borrower Name
Loan Number
Account Type
Months
Business Name (auto-exclusion matching)
Included in average:
24 of 24
Avg monthly deposits: $24,813
Drop PDF bank statements here or click to upload
PDF, images · Max 50MB · Batch upload
Uploaded Statements (24)
All months accounted for
| Account | Institution | Period | Statement Date Range | Pages | Txns | Beg Balance | End Balance | Deposits | Status |
|---|
Transactions
All deposit credits · eligible & excluded · All accounts · Click any row to review or override
Total Deposits
—
All deposit credits
Total Exclusions
—
Transfers, refunds, loan proceeds
Total Deposits After Exclusions
—
Eligible deposits
Eligible Avg Monthly
—
Eligible deposits ÷ months analyzed
High / Low
—
Spread: —
Large Deposit Flag — Avg Deposit
—
Across all eligible deposit transactions
Threshold Percentage
%
of average deposit · adjust to change threshold
Large Deposit Threshold
—
Deposits at or above this amount are flagged
| Date ↕ | Account | Description ↕ | Amount ↕ | Running Bal | Status | Action | Tag | Notes |
|---|
Deposit Analysis
Monthly deposit breakdown with variance analysis · All accounts
Total Gross Deposits
$595,500
All deposits · —/mo
Eligible Deposits
$512,256
After exclusions
Excluded Amount
$83,244
Transfers, refunds, non-biz
Avg Monthly Eligible
$21,344
512,256 ÷ 24 months
Consistency
—
CV-based rating
Deposits by Month
| Month | Account | Total Deposits | Eligible | Excluded | Count | vs Avg | Flags |
|---|
Large Deposit Review
****4421 · Chase Bank
Large Deposit Flag Settings
Average Deposit Amount
—
Across all eligible deposit transactions
Threshold Percentage
%
of average deposit · adjust to change threshold
Large Deposit Threshold
—
Deposits at or above this amount are flagged
Within normal range
Elevated — review
Significant outlier
Recurring pattern
Flagged Large Deposits
| Date | Description | Amount | % Above Avg | Pattern Analysis | Assessment | UW Notes |
|---|
NSF / Overdraft Activity
Non-sufficient funds and overdraft events · All accounts
NSF / Overdraft Events
| Date | Account | Description | Amount | Fee | Running Balance | Explanation | Impact |
|---|
Underwriter Summary Notes
Qualifying Income
Expense methodology, factor configuration, and final income calculation
Expense Factor
%
Ownership
%
Override Reason (if non-default)
Step 1: Total Gross DepositsAll deposits across analysis period
$595,500.00
Less: Total Excluded DepositsTransfers, non-business, loan proceeds, refunds
-$83,244.00
= Step 2: Total Eligible DepositsGross minus all exclusions
$512,256.00
÷ Months Analyzed
24
= Step 3: Average Monthly Eligible Deposits$512,256 ÷ 24
$21,344.00
× Expense FactorStandard method
× 50%
= Step 4: Net Monthly IncomeAfter expense deduction
$10,672.00
× Borrower Ownership
× 100%
QUALIFYING MONTHLY INCOMEUsed for DTI calculation
$10,672.00
Monthly QI
$10,672.00
Annual QI
$128,064.00
PITIA / DTI
43.2%
FORMULA
Qualifying Income = (Eligible Deposits ÷ Months) × (1 − Expense Factor) × Ownership %
$10,672.00 = $512,256 ÷ 24 × (1 − 0.50) × 100%
$10,672.00 = $512,256 ÷ 24 × (1 − 0.50) × 100%
Authenticity
Document integrity and fraud detection review
Authenticity Score
100
HIGH CONFIDENCE
Status
HIGH
Forensic Signals
0
Content Signals
0
Statements Analyzed
24
No material authenticity concerns detected.
0 signal(s) detected
Reason Codes
| Code | Severity | Confidence | Description |
|---|
File / Forensic Review
Content Integrity Review
Balance Reconciliation — Statement by Statement
| Period | Beg Balance | Net Activity | Expected End | Actual End | Diff | Status |
|---|
⚑ Flagged documents should be reviewed manually. Some signals may have legitimate explanations. Authenticity scoring is advisory and does not constitute a final determination.
Audit Trail
Complete log of all file activity and manual adjustments
Export & Reports
Download underwriter worksheets, data exports, and PDF summaries
UW Income Worksheet
Full income calculation with formula breakdown, assumptions, and underwriter certification.
Format
Include
Transaction Data Export
Complete transaction-level data with categories, eligibility flags, and notes.
Format
Filter
Borrower Summary PDF
High-level summary suitable for loan officer or borrower review.
Include Sensitive Data
Watermark
Export History
| Date/Time | Report Type | Format | Generated By | File Size | |
|---|---|---|---|---|---|
| 04/04/2024 10:55 | UW Income Worksheet | J. Mendoza | 148 KB | ||
| 04/03/2024 16:12 | Transaction Export | Excel | J. Mendoza | 284 KB | |
| 04/02/2024 09:44 | Borrower Summary | A. Kim (AE) | 96 KB |