How necessary is a history of personal financial statements for a lender?

[Matthew Sarro]

Hey everyone. I am reading through the "Real Estate by the Numbers" book now, and am still in the beginning where it discusses personal financial statements.

For the past two decades I have been using financial aggregators to monitor my finances. Originally I used Mint, then Personal Capital, followed by Mint again. In both cases, the product has more or less folded or become inaccessible. Most recently I am using Fidelity's full view product as they are the broker I primarily deal with.

I have some historical spreadsheets on Google drive but they mostly just show monthly pay/bills rather than providing any comprehensive statement of our finances. And I had stopped working on those about a year ago when I made the transition over to Full View.

I/we have no mortgages, no car loans, no student loans, and a credit card we pay off monthly.

I'm just looking to figure out how big of an issue it is that I am not keeping a monthly personal financial statement should I seek a loan? Is it necessary to create one or is the existing information in my credit report, full view, and tax return enough?