System Flag

Example: Unverified Wire

Overlay Cleared

Example: Investor Guideline

Bank Statement income review for Non-QM

Bank Statement income shouldn’t take hours to rebuild.

Tradata turns Bank Statements into a review-ready Non-QM income analysis, with every important number traceable back to source and the underwriter still in control.

Apply for Early Access See How It Works

AI OS for Non-QM mortgage origination

tradata-aus-environment.exe

The problem

The decision isn't always the slow part.

Before the credit call, someone has to sort through months of statements, identify qualifying deposits, verify exclusions, calculate income, and trace the numbers back to source.

Tradata helps your team to complete the loan story faster.

For lenders

Keep underwriters focused on judgment.

Give your team a review-ready income analysis instead of rebuilding the same file across statements and spreadsheets.

Less manual reconstruction

Fewer repeated touches

Every important number linked to source

Underwriter judgment stays in control

For brokers

Know the income story before you submit.

See qualifying income, exclusions, and potential issues earlier—before they become another condition or another round of questions.

Cleaner submissions

Fewer avoidable conditions

Clearer income calculations

Less back-and-forth

How it works

From statements to a review-ready income analysis.

Upload the statements

Start with supported text-searchable Bank Statement PDFs.

Rebuild the income

See qualifying deposits, exclusions, and monthly income in one analysis.

Trace the numbers

Open the transaction behind an important result instead of searching through the statement again.

Review the exceptions

Flag what needs judgment, adjust the analysis, and add reviewer context.

Start small

Test Tradata on files your team already knows.

Start with a small set of properly anonymized historical Bank Statement files your team has already reviewed.

Income

Does Tradata reach the same qualifying income as your team?

Evidence

Can your reviewer verify the numbers without searching through the file again?

Differences

Where do we disagree, and why?

No LOS integration or workflow change is required to start.

Apply for Early Access

Why Tradata

Keep the reasoning behind the review.

When an underwriter changes an income result, the final number is only part of the story.

What changed, why it changed, and the source behind it should not disappear after the file closes.

SYSTEM ANALYSIS

↓

REVIEWER ADJUSTMENT

↓

WHY IT CHANGED
RULE + SOURCE

Turn reviewer judgment into reusable context.

We are building Tradata to preserve reviewer adjustments and supporting evidence instead of letting that knowledge disappear into spreadsheets, notes, and memory.

This lender-specific workflow is being developed with early design partners.

How Tradata compares

Keep the evidence, rule, and reviewer judgment together.

Capability	Traditional Income Calculators	AI Pre-Underwriting Platforms	Tradata
Calculate Bank Statement income	✓	✓	✓
Trace calculations back to source	Some	✓	✓
Let reviewers adjust the analysis	Some	✓	✓
Upload an investor guideline document directly into the review	×	×	✓
Capture why the reviewer changed the result	×	×	✓
Keep the result, source evidence, applicable guideline, and reviewer rationale together	×	×	✓

Swipe horizontally to compare all columns.

Future feedback loop

Every exception should make the next one easier.

A product direction we are validating with design partners.

Broker submits a complex scenario

Tradata organizes evidence and income

Underwriter reviews the exception

Correction, rationale, and rule are captured

Funding, QC, or investor outcome closes the loop

Relevant precedent informs the next file

The difference

More than another pre-underwriting workflow.

Capability	Document AI	Pre-underwriting AI	Tradata today	Building toward
Bank Statement income	Sometimes	Yes	Yes	Yes
Source evidence	Sometimes	Yes	Yes	Yes

Why Non-QM

The messy files are the point.

Bank Statement borrowers, self-employed income, multiple entities, rental income, and investor-specific overlays create more judgment and more exceptions than standardized files. That is exactly where lender knowledge matters most.

Built for human review

Tradata reconstructs the file.
Your underwriter makes the call.

Tradata supports the work around the credit decision. It does not autonomously approve or decline mortgages.

Source-linked

See the evidence behind important calculations.

Human-controlled

Review and adjust the analysis before relying on it.

Start safely

Evaluate Tradata using synthetic or properly anonymized historical files before discussing production deployment.

Common Questions

What exactly does Tradata do?

Tradata turns months of Bank Statements into a review-ready Non-QM income analysis. It identifies qualifying deposits and exclusions, calculates monthly qualifying income, flags items that need review, and links important numbers to the source transaction. Your underwriter reviews the analysis and makes the final call.

Does Tradata make the credit decision?

No. Tradata does the reconstruction and first-pass analysis around the decision. Your underwriting team reviews the results, handles exceptions, and remains responsible for the final credit decision.

What documents do you support?

Today, Tradata is focused on text-searchable Bank Statement PDFs for Non-QM income analysis. We are expanding support for additional document types and layouts as we work with lenders.

Does this replace my LOS?

No. Tradata works alongside your existing origination workflow. You can evaluate it on historical files without changing your LOS or integrating anything upfront.

How do we start?

Start with a small set of properly anonymized historical Bank Statement files your team already knows.

Run them through Tradata and compare qualifying income, excluded deposits, flagged items, source evidence, and differences from your team's analysis.

If the results are useful, we can discuss a broader pilot.