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Internal Access Only
Barrett Financial Group ยท Zack Diener Lending Team
NOT FOR PUBLIC DISTRIBUTION
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Restricted Internal Tool
For Authorized Loan Officers Only

This tool is strictly for internal use by licensed mortgage professionals at Barrett Financial Group. By continuing, you acknowledge:

  • This tool is not approved for distribution to borrowers, real estate agents, or any third party.
  • Results are preliminary estimates only and do not constitute a loan approval, commitment, or guarantee of any kind.
  • All qualifying income figures must be independently verified through standard underwriting review.
  • This tool does not replace lender guidelines, AUS findings, or underwriter approval.
  • Any borrower Non-Public Information (NPI) entered is your responsibility to handle in accordance with Barrett Financial Group's Information Security Program and applicable federal law.
Barrett Financial Group, LLC ยท Internal Use Only
Zack Diener Lending Team | Barrett Financial Group
Bank Statement Income Analyzer
00MISMO Import
01Borrower & Docs
02Income Streams
03Loan Parameters
04Results
MISMO 3.4 XML Import
Optional but recommended. Upload a MISMO 3.4 XML file exported from your LOS (Arive, Encompass, Calyx, etc.) to automatically populate borrower information and loan parameters. Only empty fields will be filled โ€” nothing already entered will be overwritten.
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Drop MISMO 3.4 XML here or click to browse

Exported from Arive, Encompass, Calyx Point, or any MISMO-compliant LOS

Borrower Information
Basic borrower details for the analysis file.
Upload Bank Statements
Upload 12โ€“24 months of personal and/or business bank statements. Claude will parse deposits, identify large non-recurring items, and pre-fill the income fields. Statements are processed in your browser session and not stored anywhere.
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Drop PDFs here or click to browse

Accepts multiple PDFs ยท Bank statements only ยท Processed in-session

Sending statements to Claude for analysis...
Businesses & Bank Accounts
Add each business entity. Under each business, add all associated bank accounts (personal and/or business). Each business has its own averaging method and expense factor.
Loan Parameters
Enter loan details to calculate maximum qualifying loan amount and stress-test DTI.
Income Analysis Results
Barrett Financial Group โ€” Self-Employed Borrower Analysis
Complete the previous steps to generate results.
โš   INTERNAL USE ONLY โ€” NOT FOR DISTRIBUTION  ยท  Results are preliminary estimates only and do not constitute a loan approval or commitment  ยท  All figures subject to underwriting review  ยท  Barrett Financial Group, LLC