Bank statement analysis for mortgage and loan applications

The problem

Mortgage lenders, landlords, and underwriters ask for three to six months of bank statements. What they actually need is a summary: verified income, recurring obligations, and a clear picture of cash flow. A stack of PDFs makes their job slower and their questions harder to answer.

How Karchu helps

Karchu reads the statements you already have and produces the summary lenders look for: monthly income and expenses, recurring obligations, category totals, and a clean export they can review in minutes instead of hours. The result is fewer follow-up questions and a smoother application.

Recommended workflow

1. Upload three to six months of personal bank statements.
2. Verify income lines by category and recurring cadence.
3. Review recurring obligations: rent, subscriptions, loan payments.
4. Export a categorized summary as PDF or Excel to attach to the application.

What users say

The underwriter said this was the cleanest bank statement bundle they had reviewed all year.

Related pages

• Bank statement analyzer overview
• Automatic transaction categorization
• Pricing
• Other use cases