Current super-jumbo bank-statement guidelines, updated from one source.
The snapshot below is not typed onto this page — it is pulled from one super-jumbo bank-statement guideline source and refreshed when that source changes, so Aurora, CO always shows the ladder in force.
Program ceiling
This is the balance the program can reach on a strong file; the leverage cell at any size depends on occupancy, the credit tier, and the transaction.
Top primary-residence leverage
Leverage is read per occupancy, loan size, and credit tier from the matrix — the figure here is the best primary-residence cell, not the whole program.
Months of bank statements
Twelve or twenty-four months of statements qualify the file; the expense ratio depends on whether the account is personal or business and on the size of the business.
Credit floor
The minimum credit score for the ladder’s bottom rung; the credit required for a given leverage rises with the loan size and with the occupancy.
Qualifying income is the eligible deposits divided by the statement months, after the ownership share and any expense ratio; total obligations stay inside this cap.
Cash in hand is capped at this figure when the loan is above sixty percent of value; at or below that leverage the proceeds are not capped on the portfolio program.
An interest-only period is available through select programs at its own leverage and credit floor; the bank portfolio program carries a lower interest-only cap.
| Loan size | Primary residence | Second home | Investment |
|---|---|---|---|
| $300,000 – $1M | 90% · 680+ | 85% · 700+ | 85% · 700+ |
| $1M – $1.5M | 85% · 700+ | 80% · 680+ | 80% · 680+ |
| $1.5M – $2M | 85% · 720+ | 80% · 700+ | 80% · 700+ |
| $2M – $2.5M | 80% · 720+ | 80% · 720+ | 80% · 720+ |
| $2.5M – $3M | 80% · 720+ | 75% · 720+ | 75% · 720+ |
| $3M – $3.5M | 75% · 720+ | 65% · 760+ | 60% · 680+ · bank program |
| $3.5M – $4M | 75% · 760+ | 65% · 760+ | 60% · 680+ · bank program |
| $4M – $5M | 65% · 680+ · bank program | 65% · 760+ · case by case | 65% · 760+ · case by case |
| $5M – $6M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $6M – $10M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $10M – $20M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
| $20M – $30M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
Current super-jumbo bank-statement snapshot · updated September 7, 2026 · portfolio program to $6M, bank portfolio program above it to the ceiling · super-jumbo overlays above $3.5M on a primary residence and $3M on a second home or investment property · portfolio-program balances above $4M reviewed case by case before submission · reserves 3–9 months by loan size.
Nothing on this page is a Loan Estimate, an approval, a quote, or a commitment to lend. Super jumbo bank statement leverage, credit, reserves, and documentation rules are read from the program matrix for a specific occupancy, loan size and credit tier and depend on the statements, the property, and full underwriting through select wholesale lenders licensed in sixteen states. Lendmire is a mortgage broker and is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
A super jumbo bank statement loan is the standard bank-statement structure carried to larger balances: the deposits qualify the borrower, and a matrix of occupancy, loan size and credit tier decides the leverage. In Aurora, CO, that ladder is what a buyer plans around.
Balance inside the standard ceiling? See Bank Statement Loans in Colorado, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Colorado.
Deposits qualify the loan, not tax returns
A super jumbo bank statement loan in Aurora, CO is underwritten on twelve or twenty-four months of statements: eligible deposits divided by the months, after the ownership share and any expense ratio. Tax returns are not part of the qualification.
Leverage is a ladder by occupancy and size
Leverage on a super jumbo bank statement loan in Aurora, CO is read from a matrix of occupancy, loan-size bands, and credit tiers. A primary residence carries the highest leverage in the smallest band; second homes and investment property start lower; every larger band steps down.
Credit, reserves and overlays rise with the balance
The program reads credit twice for an Aurora file: once against the floor for the band, and once against the floor for the leverage cell requested. A single recent housing late reduces leverage; a credit event inside the seasoning window reduces it further.
Two programs, one file
For Aurora, CO borrowers planning a very large balance, the program that carries it is decided by the ladder: the portfolio program through its bands — case by case above its review line — and the bank portfolio program above them. Either way, the deposits qualify the file.
The calculator below runs this math with your numbers, reads the leverage cell the matrix allows for the occupancy, loan size and credit tier, and shows the housing budget the debt-to-income cap leaves. The statements, the appraisal, and full underwriting decide the actual figures.
Where Aurora’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where Aurora, CO’s self-employed high earners buy and what the top of the market costs; a lender reads those figures as context for the appraisal, not as underwriting inputs.
These are context figures, not underwriting inputs. In high-value markets, the buyers are disproportionately owners of businesses whose tax returns understate their cash flow; the statements exist to show the income the returns hide, and the ladder exists to size the loan against it.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including owner-occupied home values by bracket, household income by bracket, and class of worker.
Distinct Aurora submarkets, distinct appraisal stories.
Across Aurora’s prestige neighborhoods, high-rise residences, and historic estates, the same program produces different structures because values, comparables, and property types differ block by block.
Executive suburbs and enclaves
In the suburbs favored by Aurora’s founders and physicians, homes trade often enough that the appraiser has company, and the ladder applies cleanly. Census estimates place about 3.0% of Aurora’s owner-occupied homes at a value of one million dollars or more — roughly 2,687 homes.
New luxury construction
Newly built luxury homes in Aurora carry the value but not always the comparables; valuation support is settled first, leverage second. About 12% of Aurora’s households earn two hundred thousand dollars a year or more — roughly 17,388 households at the top of the income distribution.
Historic and estate districts
Historic property in Aurora appraises on a thin comparable set; two appraisals are routine once the balance crosses the line, and the review takes longer. Roughly 19,546 Aurora workers — about 9.3% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and two-to-four-unit homes
In Aurora, a high-value townhome or a small multi-unit home the borrower occupies qualifies on statements like any other, and the property type selects its own cell on the matrix. The median owner-occupied home value in Aurora runs near $469,100 on the latest Census estimate.
Prestige neighborhoods
The blue-chip streets of Aurora carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Median household income in Aurora sits near $88,368, the middle of a distribution whose top end the program serves.
High-rise and full-service residences
High-rise units in Aurora can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. Aurora counts a population near 394K within the Denver-Aurora-Centennial, CO area.
Submarket descriptions are general market context; the statements, the appraisal, and full underwriting decide every figure in a file.
Four ways Aurora entrepreneurs put super-jumbo bank-statement financing to work.
How Aurora entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Buy a primary residence above the standard ceiling
For an Aurora purchase that a standard bank-statement program cannot carry, the super jumbo path applies the same deposit math at a larger balance, with the primary-residence ladder setting the leverage.
Refinance out of a bank or bridge loan
When a high-value Aurora home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Move with a departing residence
A relocating Aurora, CO borrower who is selling one home while buying the next can be carried by the program that treats the departing residence as part of the file.
Qualify on assets instead of deposits
An Aurora file with strong liquidity can lean on the asset-allowance path to supplement deposits or the assets-only path to replace them, subject to lender program eligibility.
Size an Aurora bank-statement file before requesting a quote.
Test an Aurora balance against the ladder: occupancy, loan size and credit tier select the leverage, the deposits set the income, and the cap sets the budget. Overlays above the super-jumbo line, the bank portfolio hand-off and the cash-out proceeds cap are applied automatically.
Aurora bank-statement qualifier
An Aurora scenario to start from — adjust the occupancy, price, equity, credit tier and deposits to see which rung the balance lands on.
Illustrative starting assumptions: a $1,250,000 price set above Aurora’s median owner-occupied home value to reach the super jumbo band, an equity position sized to the ladder, twelve months of deposits sized to carry a balance of that size, and modest other obligations (U.S. Census Bureau). Every field is editable; no rate or payment is shown.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. No rate, payment, or cost is shown or implied. Qualifying income follows the program’s deposit method for the statements entered; leverage is read from the current program matrix for the occupancy, loan size and credit tier; the appraisal, the statements themselves, reserves, and full underwriting decide the actual figures. Consumer mortgage lending licensed in sixteen states.
Same borrower, four very different files.
Same Aurora borrower, four files: deposits at scale, deposits within the standard ceiling, the property’s rent, or the full-documentation path a standard jumbo loan takes.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Qualifies on twelve or twenty-four months of deposits above the standard bank-statement ceiling, with leverage read from an occupancy-and-size matrix, super-jumbo overlays above the line, and a bank portfolio program carrying the largest bands.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Aurora homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in Colorado.
A super jumbo DSCR loan reads the property’s rent, not the owner’s statements; it is the path when the property is a rental and the rent carries the payment. For a leased rental, see super jumbo DSCR loans in Aurora.
If the deposits carry the payment and the balance is above the standard ceiling, super jumbo bank statement is the structure; if it is inside the ceiling, standard bank statement; if the property is a leased rental, super jumbo DSCR.
What to prepare for an Aurora scenario review.
The documents a lender reads first on a super jumbo bank-statement file.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the loan size, occupancy, the statements, the business, the property, and reserves. Nothing here is legal or tax advice.
Local details that can change the loan.
Beyond the deposits and the credit tier, a handful of details decide where an Aurora high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Aurora file clean and fundable.
Settle the occupancy, the statement method, the band, and the property’s eligibility before the appraisal is ordered; an Aurora file that clears these reads cleanly.
- Know the rung: confirm the band and the credit tier the best cell requires.
- Count the deposits: know the expense ratio the business type carries.
- Know the program: expect twelve-month statements and a lower cap on the bank program.
Occupancy and loan size decide the leverage
In Aurora, CO, the same home financed as a primary residence and as a second home sits on two different ladders; the calculator on this page reads the matrix for the exact occupancy, size and credit tier, and the structure is planned from there.
How the deposits are counted
Personal statements with business transfers count at full value; business statements carry an expense ratio set by the business type and employee count, or an accountant’s letter; the borrower must own a minimum share of the business, and the deposits must be consistent inside the window.
The review line and the bank-program hand-off
The two programs share one ladder in Aurora, CO, with a review line inside the portfolio program’s upper bands; the calculator names the program and the review for any balance entered, and Lendmire packages the file for the program whose terms fit.
Asset paths when deposits fall short
An asset-allowance path adds qualifying income from liquid assets divided over a set number of months, with a longer divisor when the assets stand alone; an assets-only path skips the ratio and the reserves, and retirement assets count at a reduced value.
Reserves scale with the loan size
Reserves are months of the full payment, stepping up by loan size, plus additional months for each financed property, more for a first-time investor, and more with a non-occupant co-borrower; on an Aurora high-balance file they are a large figure in dollars.
From Aurora bank statements to a funded high-balance loan.
Lendmire runs an Aurora high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
The first step is the ladder: where the Aurora, CO balance lands for the occupancy, which cell the credit tier opens, and whether the structure should change to land on a better rung.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Aurora, CO business most fairly and packages the statements to support it.
Appraise and package
Valuation is settled next: the appraisals the Aurora balance requires and the property review, while the file is assembled for the wholesale program whose ladder reads it best.
Close and fund
Final underwriting reads the whole Aurora, CO file against the matrix, and the loan funds at the leverage the occupancy, band and credit tier opened.
A brokerage built around self-employed borrowers.
Placing an Aurora high-balance file well means knowing which program’s ladder reads it best, which expense method reads the business most fairly, and where the overlay line sits — before the appraisal is ordered.
Ladders, not guesses
Lendmire reads the matrix for an Aurora balance before anything is ordered, so the equity and the structure are planned around the rung the file will actually land on.
The statements, read fairly
Deposits are only income once they are counted the program’s way; Lendmire counts them first, choosing the statement type, the months, and the expense method that read an Aurora business fairly.
The right wholesale program
An Aurora file is matched to the program whose matrix opens the best cell for its occupancy, size and tier — and to the bank portfolio program when the balance calls for it.
Trusted by homeowners & investors alike.
Aurora super jumbo bank statement loan FAQs
General answers for Aurora borrowers weighing a super jumbo bank statement loan; the statements, the appraisal, and underwriting decide every actual figure.
How is leverage decided on a super jumbo bank statement loan in Aurora?
Leverage is read, not negotiated. An Aurora file lands on the ladder for its occupancy and in a band by loan size, and the credit tier opens a cell; the calculator on this page reads the current matrix for the exact inputs.
How is my income calculated from bank statements?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for an Aurora file changes the income, which is why Lendmire settles it before the lender sees the statements.
Can I take cash out of a high-value Aurora home?
Yes, inside the cash-out ladder; the proceeds cap above the set leverage and the reserve rule at the largest balances shape how much cash a file returns.
What expense ratio applies to business statements?
A fixed ratio by business type and employee count — lowest for a service business with no employees, higher with employees, highest for a product or inventory business — or the ratio an accountant attests to, or a profit-and-loss statement the deposits support, or the deposits-less-withdrawals method.
What does Lendmire do on an Aurora high-balance file?
Reads the balance against the matrix for the occupancy, chooses the statement method that reads the business most fairly, chooses the wholesale program whose ladder fits, packages the file — statements, credit, reserves, property — orders the appraisals the balance requires, and manages the lender’s review. Lendmire is the broker, never the lender.
Does the program finance investment property?
Yes, on the investment ladder, with title in an entity accommodated subject to lender program eligibility, a prepayment structure on investment occupancy, a short-term rental balance cap, and longer reserves for a first-time investor. A rental whose rent should carry the file may fit the super jumbo DSCR program better.
Should I use personal or business statements?
Use the account that tells the truer story: an Aurora owner who pays themselves regularly often qualifies best on personal statements; an owner whose income stays in the business often qualifies best on business statements with a fair ratio.
Can I qualify on a profit-and-loss statement instead?
The profit-and-loss path is a narrower door than the statements; it suits an Aurora owner whose books are cleaner than their deposits.
How much do I need in reserves?
Reserves follow the balance and the portfolio: the larger the loan and the more properties financed, the more liquid assets must be verified after closing. Above the overlay line, cash-out proceeds may not satisfy them.
How long do I need to have been self-employed?
The program reads two years of self-employment history as standard, with the one-year alternatives where the prior work or training supports it.
Place your Aurora scenario on the ladder today.
Start with the occupancy, the deposits, and the balance you have in mind. No credit pull or commitment is required to request an initial scenario review.
This guide covers Aurora — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Colorado, part of Lendmire’s super jumbo bank statement loan program.
Also in Colorado: Parker · Longmont · Fort Collins · Breckenridge · Super Jumbo DSCR Loans in Aurora · DSCR Loans in Aurora