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Bank Statement Income Calculation

This Bank Statement Income Calculation Form is encouraged for all bank statement programs.

We will calculate your bank statement income or help you structure your loan. For Non-QM – Bank Statement Calculations Only – complete the top three sections of the form and submit it along with your most recent required bank statements.

Most responses are completed within 24 hours when complete information is supplied. Check out our Non-QM Rates. Learn more about our Non-QM programs.

Get approved today as a mortgage broker with our Wholesale Lending Division.

This is not a mortgage application, approval, or guarantee of funding. A complete application must be submitted, and underwriting is required for final approval.

Please complete the form below (including attachments) and allow 24-48 hours for a reply.

Bank Statement Rebuild

Loan Officer and Company Information

Borrower Information

Please Stop - Do Not Submit this Form. 

Borrowers with < 1 year of Self-Employment history will not be considered.

Contact your Account Executive for more information. 

Loan Information

BCM can assign a standard expense factor unless there's a specific expense factor that can be applied.
If Applicable, let us know if you are requesting a guideline exception and explain those details below.
Please share any income concerns or questions you may have and include other helpful information that will assist us in more accurately calculating the bank statements.
© 2025 All rights reserved Brokers Choice Mortgage is a registered DBA of OCMBC, Inc. NMLS ID #2125. Equal Housing Lender. All rights reserved. Some products may not be available in all states. Programs and rates are subject to change without notice. Turn time estimates are not warranted or guaranteed. Some restrictions may apply. Underwriting terms and conditions apply and not all applicants will qualify. This is not a commitment to lend. For more licensing information, visit the Nationwide Multistate Licensing System’s Consumer Access website www.nmlsconsumeraccess.org. For our licensing information and lists please visit: Our Licensing page.  Intended for use by real estate and lending professionals only and not for distribution to consumers. 
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