Paystub analysis for auto and personal loan underwriting
Small lenders, credit unions, and dealerships review paystubs by hand every day. StubParse extracts the figures, works out income, and highlights what deserves a second look.
Start free3 documents free · No card required
Income in two ways
Annualized from the average pay period and from the year-to-date pace. When they disagree, you see a flag.
Integrity signals
YTD figures that don't follow from stub to stub, implausible tax rates, mixed fonts in the amounts, and PDFs saved by editing tools.
API for your system
Send stubs from your loan origination system and get JSON back, with checks attached (Business plan).
How it works
- Step 1
Drop the stubs
PDFs or photos, one or a batch. Files are read in your browser.
- Step 2
Review the numbers
Every field is editable, and three math checks re-run as you type.
- Step 3
Export
Excel with styled headers, a flat CSV, or JSON. Include YTD or leave it out.
Questions
- Does StubParse make credit decisions?
- No. It extracts and calculates; your underwriting policy decides. Verify income through other sources where your rules require it.
- Can several underwriters share one account?
- Yes. Business includes five seats with a shared history.
- Is there an audit trail?
- Saved stubs keep who added them and when, and income reports can be printed to PDF for the file.