Bank statement income analysis
Bank statement income analysis investors trust
Laminr turns your borrowers' bank statements into consistent, audit-ready qualifying income, calculated the way investors do it, so it holds up in the secondary market.
The problem
Reviewing bank statements by hand leads to costly mistakes, delays and secondary market risk at every step of the loan.
Manual calculations
Income can come out differently depending on who's calculating it, and mistakes slip through
Incomplete documentation
When it's all manual, missing documents can sit unnoticed for days while the borrower thinks everything's on track
Bottlenecks
Without the right tools, time to close climbs fast as volume grows
Putback demands
Loans that miss investor standards get kicked back for repurchase, which means extra cost, more delays and a real chance of losing the deal
How it works
Verifying income today is slow, expensive and repetitive. Laminr boils it down to five steps.
- 1
Upload
Securely upload your borrower's bank statements right into Laminr
- 2
Extract
We pull out every transaction that matters, no manual data entry needed
- 3
Evaluate
Transactions get sorted and qualifying income gets calculated the way investors do it
- 4
Summarize
Get clear, audit-ready income results that meet secondary market standards
- 5
Deliver
Send your files off knowing the numbers are consistent, documented and trusted