Workflows
Non-QM bank statement review
First-pass verification of borrower bank statement packages before deeper underwriting review.
Why first-pass checks matter
Non-QM and bank statement loan files often rely on months of borrower-provided PDF bank statements. Before underwriting can evaluate income, review teams need to know whether the statement package is complete, readable, consistent, and suitable for deeper review.
GrassLedger helps review teams perform first-pass bank statement package checks focused on extraction, reconciliation signals, and limitations—not a final credit decision.
Checks
- Statement periods
- Missing months
- Account continuity
- Page completeness
- Summary extraction
- Transaction extraction
- Reconciliation status
- Document quality
- Review flags
Coverage depends on supported formats; files outside validated classes should be scoped rather than forced through.
What GrassLedger is not
- Not a loan origination system
- Not an underwriting decision engine
- Not a full income calculator for every lender guideline
- Not a fraud guarantee