Barrett Financial Group · Zack Diener Lending Team
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NOT FOR PUBLIC DISTRIBUTION
⚠️
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 · Internal Use Only
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 — nothing already entered will be overwritten.
📋
Drop MISMO 3.4 XML here or click to browse
Exported from Arive, Encompass, Calyx Point, or any MISMO-compliant LOS
Parsed Fields — Preview
✓ Only empty fields will be populated. Fields already filled in Step 1 and Step 3 will not be changed.
Borrower Information
Basic borrower details for the analysis file.
Upload Bank Statements
Upload statements account-by-account in Step 2. Each account card has its own upload zone and Parse button — keeping each parse under the 100-page API limit and ensuring deposits are attributed to the correct account.
LENDER RECONCILIATION
Compare Against Lender's Number
Enter the lender's total allowable deposits figure and Claude will analyze the same statements to explain the difference.
AI PARSING METHODOLOGY
How This Tool Analyzes Bank Statements
Step 1 — Profession Detection
The AI reads business names, transaction descriptions, and payors to identify the borrower's industry. This is critical because different professions have different types of non-qualifying deposits that must be excluded.
Step 2 — Universal Exclusions
Regardless of profession, the AI removes these from deposit totals:
Rather than defaulting to 50%, the AI estimates an appropriate expense factor based on observed transaction patterns — payees, recurring costs, and business type. High-overhead businesses (contractors, truckers) may receive 60–70%; low-overhead service businesses (consultants, coaches) may receive 30–40%.
Step 5 — Declining Income Flag
If the most recent 3 months of qualifying deposits are 25% or more below the prior 3-month average, a ⚠️ warning is shown. This mirrors the declining income review standard used by most non-QM wholesale lenders.
⚠️ Important Disclaimer
This tool is designed as a pre-qualification estimate for mortgage broker use. AI-parsed figures should always be reviewed and adjusted before submission. Individual lenders may apply additional or different exclusions. The Exclusion Detail shown in each account's Notes field explains what was removed and why — always review this before proceeding.
Loan Parameters
Enter loan details to calculate maximum qualifying loan amount and stress-test DTI.
Income Analysis Results
Barrett Financial Group — Self-Employed Borrower Analysis
Complete the previous steps to generate results.
⚠ INTERNAL USE ONLY — NOT FOR DISTRIBUTION · Results are preliminary estimates only and do not constitute a loan approval or commitment · All figures subject to underwriting review · Barrett Financial Group, LLC
