(01)
Drop in statements.
12 or 24 months of PDFs at once. DepositDesk reads every deposit line in the browser and totals each month.
Income from statements, in minutes.
Drop in 12 or 24 months of statements. Get a lender-ready deposit worksheet. Nothing leaves your computer.
(Scroll)
01/03
(01) The problem
0 hrs
spent hand-counting deposits on a single 24-month file.
24 statements per file
1 missed transfer can sink the approval
(02) How it works
01/03
Three passes over a file, and the worksheet is done.
(02)
Review flagged deposits.
Transfers, refunds, NSFs and large deposits are flagged for you. One tap includes or excludes a line, with the reason recorded.
(03)
Export the worksheet.
A lender-ready PDF with exclusions and reasons, a CSV, or a paste straight into the lender's calculator.
(03) The tool
Set the program, drop in statements, check the flags.
Everything runs in this page. Statements are never uploaded. How it stays private →
(Free file used)
Your free file is done. Keep going for $29 a month.
- Unlimited files
- Saved client files, on this device
- Lender-ready PDF worksheets
- $29/mo locked for life, first 25 brokers
Become a Founding Broker
Secure checkout by Stripe. Cancel anytime.
| Month | Gross deposits | Excluded | Eligible | NSF | Flags | Source |
|---|
Qualifying income a month
$0.
(Estimate)
This is an estimate for pre-qualification. The lender's underwriter determines final qualifying income.
(Saved files) On this device only
Your client list.
(04) Private by design
Your borrower's statements never leave the tab.
01/03
Read in your browser
PDFs are parsed on this device with pdf.js, served from our own domain. No server sees a page.
02/03
Never uploaded
No account, no server database, no copies. Saved files stay in your own browser.
03/03
Gone when you say so
Close the tab or press New file and the worksheet is gone. Clear all local data wipes saved files too. Security details →
(05) Pricing
Start free. Lock in $29 for life.
Free
$0
(No card) one file per browser
- 1 complete file
- Run, review and export it once
- Sample data anytime
Founding Broker · Recommended
$29/mo
(First 25 brokers) price locked for life
- Unlimited files
- Saved client files, on your device
- Lender-ready PDF worksheets
- Six lenders' published rules, plus P&L worksheets
- Early feature requests
Secure checkout by Stripe. Cancel anytime by emailing [email protected].
Regular · (After the first 25)
$49/mo
Same plan, standard price
- What founding brokers skip
(06) FAQ
Questions brokers ask first.
Are my borrower's statements uploaded?+
No. PDFs are read in your browser and never sent to us. The open worksheet lives in this tab until you close it or press New file. Founding Brokers can save files, and those stay in this browser. Security details.
What do I get free?+
Your first file, start to finish: run it, review it and export it once. No card. After that, Founding Broker is $29/mo for unlimited files, saved files and lender-ready PDFs.
Which lenders' rules are built in?+
Angel Oak, Newfi (Rainier), Acra, Deephaven, Verus and A&D Mortgage, from each lender's own published guidelines. Pick one and its expense factor, ownership, large-deposit, NSF and 12/24-month rules apply; the worksheet is labelled with the guideline date. DepositDesk isn't affiliated with any lender. Compare the rules.
Can I qualify from a P&L instead?+
Yes. Choose P&L as the statement type, enter the P&L's revenue and net income, and optionally drop in the same months' bank statements: DepositDesk checks the deposits against P&L revenue using the lender's tolerance.
Does it replace the lender's underwriting?+
No. It's an estimate for pre-qualification. The lender's underwriter determines final qualifying income, under that lender's guidelines, expense factors and exclusions.
Which statements work?+
Text PDFs downloaded from online banking read instantly; we test against Chase, Bank of America, Wells Fargo, Mercury and credit union layouts. Scanned PDFs and phone photos are read with OCR in your browser; check those figures closely. If a page can't be read, enter that month by hand.
How is the income figure worked out?+
Eligible deposits (gross minus excluded) over the program's 12 or 24 months. For business accounts that total is multiplied by ownership and by one minus the expense factor (a preset, or the figure from a CPA letter), then divided by the months. Personal statements count 100% of eligible deposits. You see the 12- and 24-month figures side by side.
Is it GLBA friendly?+
Borrower statements never reach our servers, so there is no borrower data on our side to safeguard. Your firm still owns its GLBA Safeguards program. We hold no certifications; the Security page explains exactly what happens to data.