Current super-jumbo bank-statement guidelines, updated from one source.
The current program figures below are hydrated from Lendmire’s super-jumbo bank-statement standards source at each visit, so the ladder shown for Boulder, CO is the ladder in force.
Program ceiling
Balances run from the program minimum to the ceiling shown, across two programs; the largest bands sit on the bank portfolio program at its bank-statement leverage cap.
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
Statements are the income document: deposits divided by the statement months, after the ownership share and the expense ratio. Tax returns are not requested for qualifying.
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, the bank portfolio program alongside it and on 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.
Consumer mortgage financing for primary residences, second homes and investment property, arranged through select wholesale programs in sixteen licensed states; the figures shown are current program parameters that vary by occupancy, loan size, credit tier, transaction, and property, subject to lender program eligibility and underwriting. No rate, payment, fee, or lender is stated or implied anywhere on this page. Lendmire is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Boulder, CO are the same as any bank-statement loan — eligible deposits divided by the statement months — with one addition: the leverage, the credit floor, the reserves, and the appraisal work all scale with the balance and shift with occupancy.
For a balance inside the standard ceiling, the standard program covers it — see the guide to bank statement loans in Colorado. The statewide guide to super jumbo bank statement loans in Colorado explains the ladder for every market in the state.
Deposits qualify the loan, not tax returns
A high-value home in Boulder, CO qualifies the same way a modest one does — on the statements — but the lender reads the deposits, the business, and the expense ratio more closely, because the number they support is larger.
Leverage is a ladder by occupancy and size
For a Boulder buyer, the practical question is which rung the balance lands on for their occupancy. Each rung has a leverage ceiling and a credit floor, and the calculator below reads the matrix for the exact size and tier entered.
Credit, reserves and overlays rise with the balance
In Boulder, CO, the overlays above the line are the program’s way of translating size into credit: a higher floor, a spotless housing history, longer seasoning after any credit event, and reserves that scale with the payment.
Two programs, one file
For Boulder, 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.
This is the whole test, applied at the leverage the ladder allows for the occupancy and balance. The tool below reads the matrix for your inputs; underwriting decides the real numbers.
Where Boulder’s self-employed high earners buy — and how a lender reads the market.
The stock of high-value homes in Boulder, CO, the share of households at the top of the income distribution, and the share of workers who work for themselves together sketch the market a high-balance bank-statement file is underwritten in.
Market context only. 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 Boulder submarkets, distinct appraisal stories.
A super jumbo bank statement file in Boulder reads differently by submarket — appraisal depth, association packages, acreage, and property type all shift from one to the next.
New luxury construction
Newly built luxury homes in Boulder carry the value but not always the comparables; valuation support is settled first, leverage second. About 23% of Boulder’s households earn two hundred thousand dollars a year or more — roughly 10,370 households at the top of the income distribution.
Executive suburbs and enclaves
The relocation market around Boulder keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. Census estimates place about 53% of Boulder’s owner-occupied homes at a value of one million dollars or more — roughly 11,025 homes.
Historic and estate districts
Historic property in Boulder appraises on a thin comparable set; two appraisals are routine once the balance crosses the line, and the review takes longer. Roughly 7,353 Boulder workers — about 13% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
High-rise and full-service residences
In Boulder’s towers, the borrower’s deposits are one half of the file and the building’s financials are the other; a non-warrantable project carries its own cell. The median owner-occupied home value in Boulder runs near $1,039,500 on the latest Census estimate.
Prestige neighborhoods
The blue-chip streets of Boulder 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 Boulder sits near $87,493, the middle of a distribution whose top end the program serves.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Boulder can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Boulder counts a population near 106K within the Boulder, CO area.
Read the submarkets as orientation. The file’s figures come from the statements, the appraisal, and the program matrix.
Four ways Boulder entrepreneurs put super-jumbo bank-statement financing to work.
How Boulder entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Refinance out of a bank or bridge loan
Move a Boulder home out of a bank portfolio loan, a bridge loan, or a maturing structure into a deposit-qualified loan at the leverage the ladder allows, without tax returns.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a Boulder home uses the cash-out path where the ladder allows it, knowing the proceeds cap applies once the leverage passes the program’s cash-out threshold.
Finance a second home on the same statements
A Boulder second home qualifies on the same deposits as the primary residence, on its own ladder — a little less leverage, its own credit cells, a single unit only.
Qualify on assets instead of deposits
For Boulder borrowers whose wealth sits in accounts rather than in deposits, the program’s asset paths supplement or replace statement income, at their own leverage cap and seasoning.
Size a Boulder bank-statement file before requesting a quote.
The calculator does what the lender’s first pass does for a Boulder file — computes the income from the deposits, finds the band and the cell for the occupancy and credit tier, applies the cap — using the current matrix. It never quotes a rate or a payment.
Boulder bank-statement qualifier
A Boulder 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 $1,875,000 price set above Boulder’s median owner-occupied home value to land on the program’s ladder, 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, three very different files.
The right structure for a Boulder, CO borrower depends on the balance, the occupancy, and whether the deposits, the assets, or the property’s rent should carry the file.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Deposit-qualified financing for high-value homes: no tax returns, leverage that steps down by band and occupancy, reserves and appraisal work that scale with the balance, interest-only through select programs, and asset-based paths.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Boulder homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in Colorado.
Qualifies an investment property on its rent rather than the owner on deposits — business-purpose financing with its own ladder, for a leased rental rather than a home the borrower will live in. For a leased rental, see super jumbo DSCR loans in Boulder.
Super jumbo bank statement fits a primary residence, second home or investment property the borrower’s deposits can carry above the standard ceiling; standard bank statement fits the balance inside it; super jumbo DSCR fits a rental whose rent carries the file.
What to prepare for a Boulder scenario review.
What a bank-statement scenario review usually starts with.
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.
A super jumbo bank statement file in Boulder, CO is won or lost on details a standard file rarely meets: the occupancy ladder, the statement method, the overlays above the line, the program hand-off, the property type.
Use these checks to keep the Boulder file clean and fundable.
A clean Boulder file starts with the balance placed on the right occupancy ladder, the deposits counted the program’s way, and the reserves counted.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: know the expense ratio the business type carries.
- Count the reserves: add months for each additional financed property.
Occupancy and loan size decide the leverage
Leverage on a Boulder high-balance file is not negotiated; it is read from the occupancy ladder and the band. The work is choosing the balance and the equity so the file lands on the rung that fits.
How the deposits are counted
The statement method is chosen before the Boulder file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Reserves scale with the loan size
On a Boulder, CO file, 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.
Property type selects its own cell
The property itself can move a Boulder, CO file: a non-warrantable building, a condotel, a large parcel, or a rural designation each changes the cell before the deposits are reviewed.
Overlays above the super-jumbo line
The line where a Boulder balance becomes super jumbo is also the line where the overlays begin; every one of them is read before the leverage cell is confirmed.
From Boulder bank statements to a funded high-balance loan.
Four steps take a Boulder, CO high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
Every Boulder file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
Lendmire computes the Boulder file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
The appraisals set the value the ladder is applied to; the Boulder, CO file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Underwriting confirms the income, the ratio, the leverage cell, reserves, and the property; the Boulder file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
Placing a Boulder 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
The occupancy ladder, the band, the cell, the overlays, and the program are known at the start of a Boulder, CO file, not discovered in underwriting.
The statements, read fairly
Personal or business statements, twelve or twenty-four months, a fixed ratio or an accountant’s letter — the choice is made for the Boulder, CO file before the lender sees it.
The right wholesale program
Not every wholesale lender carries a self-employed borrower past the standard ceiling, and the ones that do differ on leverage, overlays, and documentation; Lendmire knows which is which.
Trusted by homeowners & investors alike.
Boulder super jumbo bank statement loan FAQs
What Boulder, CO entrepreneurs want to know about deposit-qualified financing above the standard ceiling — answered at the program level, not the file level.
How is leverage decided on a super jumbo bank statement loan in Boulder?
Leverage is read, not negotiated. A Boulder 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?
The program adds the eligible deposits, removes transfers between the borrower’s own accounts and unusual deposits, applies the expense ratio where a business account is used, prorates to the ownership share, and divides by the statement months.
Can I take cash out of a high-value Boulder home?
Cash-out has its own rungs and its own proceeds cap. A Boulder file inside the ladder can return cash at the band’s leverage; once the leverage passes the program’s cash-out threshold, the proceeds are capped.
Does the program finance investment property?
It does, within the same licensing footprint, on the investment ladder; Lendmire compares it with the rent-qualified path before choosing.
What expense ratio applies to business statements?
It depends on the business. The program’s fixed ratios rise with employee count and with a product business; an accountant’s letter can replace the fixed ratio where the real margin is better.
What credit score does a super jumbo bank statement loan require?
It depends on the balance, the occupancy and the leverage requested. The floor in the snapshot applies at the bottom of the ladder; larger balances and top cells require stronger credit, and a single recent housing late reduces leverage.
Should I use personal or business statements?
Personal statements are read at full value when the deposits are transfers from the business; business statements carry an expense ratio. Which produces the cleaner income depends on how the business pays its owner, and Lendmire runs both before choosing.
Can I finance a second home this way?
A Boulder second home qualifies on the same deposits, on its own ladder; leverage starts lower than a primary residence and steps down band by band.
Can I qualify on a profit-and-loss statement instead?
The profit-and-loss path is a narrower door than the statements; it suits a Boulder owner whose books are cleaner than their deposits.
What is the rate on a super jumbo bank statement loan?
It is quoted for the file, not the program: the cell, the occupancy, the credit tier, and the structure all move it. Nothing on this page states or implies a rate, a payment or a cost.
The statements have the income. Let us find the rung.
Share the property, the statements you would use, and the equity you plan to bring; a Lendmire loan officer places the scenario on the ladder and follows up.
This guide covers Boulder — 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.
Nearby markets in Colorado: Broomfield · Longmont · Westminster · Arvada · Thornton · Lakewood · Commerce City · Denver
Other loan programs in Boulder: DSCR Loans in Boulder, CO · Super Jumbo DSCR Loans in Boulder, CO · Short-Term Rental Loans in Boulder, CO · Investment Property Cash-Out Refinance in Boulder, CO · Hard Money Loans in Boulder, CO · Bank Statement Loans in Boulder, CO · Bank Statement HELOC in Boulder, CO · Investment Property HELOC in Boulder, CO