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Bank Statement Mortgage Loan Income Calculators

Bank Statement Loan Calculator

Bank Statement Loan Calculator

Estimate qualifying monthly income from business or personal bank statements. Enter monthly deposits, subtract non-business deposits, and apply your ownership percentage to calculate estimated income for DTI qualification.

How it works

  • Adjusted deposits = total deposits - non-business related deposits.
  • Average deposits = total eligible deposits divided by months used. If you have not entered the full 12 or 24 months yet, the calculator uses months entered for live feedback.
  • Monthly income = average deposits × ownership percentage.
  • This tool is for estimation only. Final lender calculations may vary by guideline, statement type, and expense analysis.
Months Entered
0
Rows with deposits entered
Total Deposits
$0
Gross deposits entered
Eligible Deposits
$0
Adjusted deposits total
Average Deposits
$0
Eligible deposits / months used
Ownership Factor
0%
Applied to average deposits
Monthly Income
$0
Estimated qualifying income
Enter monthly deposit data to begin.

Monthly Statement Data

Adjusted deposits are calculated automatically. Ending balance can flow into the next month beginning balance.

# Month Year Total Deposits Non-Business Deposits Adjusted Deposits Beginning Balance Ending Balance NSF / Overdrafts Status

Mortgage Pre-Qualification Form - No Credit Check

As a Tier One Broker, we have the nations top lenders that have dedicated Help Desk Scenario Service to preferred brokers that pre-underwrite and ascertain an income number (monthly income) in which to secure a bank statement without debt-to-income ratio (DTI) issues, alt doc approval 24 hours. Speak to a Loan Officer: (800) 718-8906.

Loan Scenario Prequalification Form:

Income Documentation and Employment Type

Credit History

Credit Scores (if known):

Credit Events: