Bank Statement Converter for an Occupational Therapist Loan

Occupational therapists work in hospitals, schools, home health settings, and private practice — often juggling W-2 and contract income simultaneously. Converting bank statements to Excel captures all income streams in one place and gives a mortgage lender or SBA lender the 12–24 month deposit history they need.

Key Benefits

• Capture W-2 payroll deposits from hospitals or school districts
• Show private practice or contract therapy income alongside salaried employment
• Document home health agency payments and per-diem session fees
• Produce 12–24 months of total deposit history for mortgage or practice loan
• Export to Excel so a lender can verify income consistency across all employers

How It Works

1. Step 1: Upload 12–24 months of bank statement PDFs
2. Step 2: The converter extracts all deposits with dates and descriptions
3. Step 3: Download Excel and filter deposit rows to show OT income from all sources
4. Step 4: Attach to your loan application with your state OT license

Frequently Asked Questions

I work full time at a hospital but also see private clients on weekends. Can I count both?

Yes — both income streams deposit into your bank account. The bank statement captures your hospital payroll and your private client payments together. The lender may treat them differently for qualifying purposes, but the bank statement documents both.

I want to open my own OT practice. What loan type covers startup costs?

SBA 7(a) loans are the standard tool for healthcare practice startups. You would use personal bank statements showing your income history during the application process, then transition to business bank statements once the practice generates revenue.

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