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 Commerce City, CO always shows the ladder in force.
Program ceiling
The ceiling is the top of the ladder, not a promise at every occupancy or credit tier — leverage and credit floors change band by band, and the largest bands belong to the bank program.
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
Credit sets which cells of the matrix are open: this floor opens the lower bands, a higher floor applies on the bank portfolio program and above the overlay line.
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.
Super jumbo bank statement loans are non-QM consumer mortgage programs arranged through select wholesale lenders, licensed in sixteen states. Leverage, credit floors, reserves, statement methods, and eligibility are read from the current program matrix for the occupancy, loan size and credit tier and are subject to lender program eligibility and full underwriting. Nothing on this page states or implies a rate, a payment, a fee, or a lender; Lendmire is a mortgage broker and 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 Commerce City, 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 Commerce City, 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
Think of the ladder as a set of doors: occupancy chooses the wing, the loan size chooses the hallway, the credit tier chooses the door, and the door is the leverage. The snapshot above and the table below show the doors open today.
Credit, reserves and overlays rise with the balance
Above the overlay line, a Commerce City file carries a stricter credit floor, a clean recent housing history, longer seasoning, U.S. citizenship or permanent residency, no non-occupant co-borrowers, and no rural property. Reserves scale with the balance, and cash-out proceeds may not satisfy them.
Two programs, one file
For Commerce City, 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 Commerce City’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where Commerce City, 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.
Market context only. A large share of high-value homes signals depth of comparables for the appraiser; a large share of top-bracket households signals the deposits that carry a high-balance payment.
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 Commerce City submarkets, distinct appraisal stories.
The metropolitan luxury market around Commerce City splits into distinct pockets; a lender underwrites the home in front of it, but the pocket sets the expectations.
New luxury construction
New luxury construction in Commerce City appraises on comparable sales that may be scarce for the product, so the appraisal review is longer and a second appraisal is routine at larger balances. Median household income in Commerce City sits near $111,972, 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 Commerce City can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Roughly 3,417 Commerce City workers — about 9.7% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Prestige neighborhoods
The prestige neighborhoods of Commerce City offer the deepest comparable sales in the market, which is the half of a high-balance file the borrower cannot bring: the deposits qualify the income, the comparables qualify the price. The median owner-occupied home value in Commerce City runs near $499,700 on the latest Census estimate.
Executive suburbs and enclaves
The executive enclaves around Commerce City pair strong values with a steady sales record, and a bank-statement file there is usually decided by the deposits rather than by the appraisal. Census estimates place about 2.1% of Commerce City’s owner-occupied homes at a value of one million dollars or more — roughly 371 homes.
Historic and estate districts
The historic estates of Commerce City carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. About 16% of Commerce City’s households earn two hundred thousand dollars a year or more — roughly 3,507 households at the top of the income distribution.
High-rise and full-service residences
Full-service residences in Commerce City’s towers qualify on the same deposit math as a house, with the building’s warrantability, litigation, and owner-occupancy mix reviewed beside the borrower and selecting their own leverage cell. Commerce City counts a population near 66K within the Denver-Aurora-Centennial, CO area.
Market context only. The leverage cell for a Commerce City file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Commerce City entrepreneurs put super-jumbo bank-statement financing to work.
How Commerce City 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 Commerce City 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.
Move with a departing residence
Buy the next Commerce City home before the current one sells: the bank portfolio program accommodates a departing residence and cross-collateralization, and the deposits qualify the new balance.
Qualify on assets instead of deposits
A Commerce City 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.
Finance a second home on the same statements
A Commerce City 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.
Size a Commerce City bank-statement file before requesting a quote.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show for a Commerce City scenario. The calculator computes qualifying income the way the program does, 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. No rate or payment is shown or implied.
Commerce City bank-statement qualifier
Illustrative Commerce City inputs; the calculator re-reads the matrix on every change.
Illustrative starting assumptions: a $1,250,000 price set above Commerce City’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.
A self-employed buyer in Commerce City, CO can be financed several ways; the difference is what qualifies the loan and how large the balance may be.
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.
For a Commerce City, CO home inside the standard ceiling, the standard bank-statement program is usually the simpler file; the super jumbo ladder is for the balance above it. 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 Commerce City.
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 Commerce City 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 a Commerce City high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Commerce City file clean and fundable.
Three checks keep a Commerce City high-balance file on track: know the rung for the occupancy, know how the deposits will be counted, and know the overlays that apply above the line.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: know the expense ratio the business type carries.
- Confirm the property: check acreage and any rural designation.
Occupancy and loan size decide the leverage
Occupancy chooses the ladder and the balance chooses the band; together they set the leverage ceiling and the credit floor for the best cell. A primary residence starts highest, a second home and an investment property a rung lower, and every larger band steps down — which is why the equity is planned before the price.
How the deposits are counted
Transfers between the borrower’s own accounts, unusual deposits, and cash not customary to the business are excluded, and returned items are limited inside the window; a Commerce City, CO file with clean, consecutive statements and a defensible expense ratio reads cleanly.
Property type selects its own cell
Warrantable condominiums, non-warrantable condominiums, condotels, two-to-four-unit homes and rural property each carry their own leverage cell on the matrix; acreage is capped, rural property is excluded above a set balance, and a second home is limited to a single unit.
Interest-only and forty-year structures
An interest-only period is available through select programs at its own leverage cap and credit floor, on a forty-year structure with a ten-year interest-only window on the portfolio program, and on adjustable structures with a lower cap on the bank portfolio program; the ratio is measured on the interest-only payment.
The review line and the bank-program hand-off
The two programs share one ladder in Commerce City, 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.
From Commerce City bank statements to a funded high-balance loan.
Lendmire runs a Commerce City high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
Every Commerce City file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Commerce City, CO business most fairly and packages the statements to support it.
Appraise and package
The appraisals set the value the ladder is applied to; the Commerce City, 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 Commerce City file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
Lendmire built its practice on borrowers whose tax returns understate their income, which is why the statement methods, the ladders, and the overlays are familiar ground rather than surprises.
Ladders, not guesses
A Commerce City scenario is placed on the ladder first — occupancy, band, and credit cell — and the rest of the file is then built to fit the rung it lands on, before anything is ordered.
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 a Commerce City business fairly.
The right wholesale program
A Commerce City 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.
Commerce City super jumbo bank statement loan FAQs
The questions a Commerce City, CO business owner asks before requesting a high-balance scenario review, answered at the program level.
How is leverage decided on a super jumbo bank statement loan in Commerce City?
By occupancy, loan size and credit tier. There is no single loan-to-value on the program; the ladder steps leverage down as the balance climbs, and the best cell in every band requires stronger credit.
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 Commerce City home?
Cash-out has its own rungs and its own proceeds cap. A Commerce City file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
Does the program finance investment property?
Investment property qualifies on the deposits like any other occupancy, on its own ladder and with its own rules; where the property’s rent is the stronger case, the DSCR path is the alternative.
Is interest-only available?
An interest-only period is available on both programs, subject to their own caps; the calculator’s budget line shows what the cap leaves for the payment either way.
What if my deposits fall short but my assets are strong?
Strong liquidity opens the asset-allowance path or the assets-only path, subject to lender program eligibility; Lendmire runs both against the deposits before choosing.
How much do I need in reserves?
The program counts reserves in months of the full payment — or the interest-only payment on that structure — and scales them with the balance; plan for the payment, not the price.
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 is the rate on a super jumbo bank statement loan?
A scenario review produces the terms; the calculator here sizes income and leverage only, by design.
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.
Ready to size a Commerce City balance? Start with the deposits.
A first read of a Commerce City high-balance scenario takes a few minutes and commits you to nothing; the ladder, the statement method, and the overlays are explained before anything is ordered.
This guide covers Commerce City — 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: Aurora · Winter Park · Aspen · Broomfield · Super Jumbo DSCR Loans in Commerce City · DSCR Loans in Commerce City