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.
Get started free. Your first 2 loans are on us.
Solo is one seat. Team is coming soon.
Sample loan file · Business checking ••4821
Statement worksheet
3 of 4 months tie out| Month | Opening | Credits | Debits | Closing | Check |
|---|---|---|---|---|---|
| Jan 2026 | $18,402.11 | $24,950.00 | $21,733.40 | $21,618.71 | Ties out |
| Feb 2026 | $21,618.71 | $19,210.55 | $22,004.18 | $18,825.08 | Ties out |
| Mar 2026 | $18,825.08 | $27,480.00 | $20,115.62 | $26,189.46 | Ties out |
| Apr 2026 | — | — | — | — | Missing month |
Running balance verified row by row. April statement not uploaded.
Three checks on every statement
Every figure ties out, or it stays in review.
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.
StatementReady prepares the worksheet. The broker and the underwriter still verify every figure against the lender's guidelines.
Source PDFs
Source PDFs are marked to purge 30 days after the loan file is opened.
Read the security overview →Guides
Bank statement loan guides for brokers
25 practical guides on income, deposits, look-back periods and clean submissions.
Bank Statement Reconciliation for Mortgage Files: Why Every Statement Should Tie Out
Read guide →Bank Statement Income Calculator: How Brokers Calculate Qualifying Income from 12 or 24 Months of Statements
Read guide →12-Month vs 24-Month Bank Statement Loans: How the Look-Back Period Changes Qualifying Income
Read guide →Fannie Mae Large Deposit Rule: How to Calculate the 50% Threshold (with Examples)
Read guide →Bank Statement Loan Documentation Checklist for Brokers: What to Collect Before You Submit
Read guide →10 Common Bank Statement Worksheet Mistakes (and How to Catch Them Before Underwriting)
Read guide →Your first 2 loans are on us.
No card required. Pay as you go from $15 per loan file, or Solo at $49/mo.