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 Greeley, CO is 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
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.
Super jumbo bank statement financing in Greeley, CO qualifies on the deposits, not the tax returns, and reads its terms from a ladder rather than a single cap; understanding the rungs is most of the work.
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
The program asks one question of a Greeley borrower’s statements: after the ownership share and the expense ratio, do the deposits carry the payment inside the cap? Everything else in the file supports that answer.
Leverage is a ladder by occupancy and size
There is no single loan-to-value on this program. A Greeley file is placed by occupancy and loan size, the credit tier selects a cell inside the band, and that cell is the leverage. The ladder table on this page shows the best cell in each band for each occupancy.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Greeley 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 Greeley, 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 Greeley’s self-employed high earners buy — and how a lender reads the market.
For Greeley, CO, the share of homes valued above the standard program’s reach and the share of households earning at the top of the distribution are the two figures that matter most to a high-balance lender’s read.
Read the figures as backdrop. 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 Greeley submarkets, distinct appraisal stories.
A super jumbo bank statement file in Greeley 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 Greeley carry the value but not always the comparables; valuation support is settled first, leverage second. About 7.7% of Greeley’s households earn two hundred thousand dollars a year or more — roughly 3,048 households at the top of the income distribution.
Executive suburbs and enclaves
The executive enclaves around Greeley 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. Greeley counts a population near 111K within the Greeley, CO area.
Historic and estate districts
The historic estates of Greeley carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Median household income in Greeley sits near $69,881, the middle of a distribution whose top end the program serves.
High-rise and full-service residences
In Greeley’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. Census estimates place about 1.5% of Greeley’s owner-occupied homes at a value of one million dollars or more — roughly 371 homes.
Prestige neighborhoods
The blue-chip streets of Greeley carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Roughly 5,073 Greeley workers — about 9.6% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Greeley can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. The median owner-occupied home value in Greeley runs near $402,500 on the latest Census estimate.
None of this is a valuation or an income calculation; it is the backdrop a Greeley file is read against before the statements and the appraisal decide the numbers.
Four ways Greeley entrepreneurs put super-jumbo bank-statement financing to work.
How Greeley entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Take cash out inside the cash-out ladder
A Greeley home with equity can return cash on a deposit-qualified refinance; the cash-out ladder steps leverage down by band, and proceeds are capped above a set leverage on the portfolio program.
Finance a second home on the same statements
Second-home financing in Greeley, CO reads the same statements and the same cap; the ladder starts a rung lower than a primary residence and never rises above it, band by band.
Move with a departing residence
Buy the next Greeley home before the current one sells: the bank portfolio program accommodates a departing residence and cross-collateralization, and the deposits qualify the new balance.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in Greeley, CO qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Size a Greeley bank-statement file before requesting a quote.
Run a Greeley scenario through the matrix before you request a quote: the statements and deposits produce qualifying income, the occupancy and balance produce the leverage cell, and the cap produces the budget. No rate, payment, or cost appears anywhere in the result.
Greeley bank-statement qualifier
A Greeley 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 Greeley’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.
Super jumbo bank statement is one of four structures a Greeley borrower might use on the same home; each reads income differently and stops at a different balance.
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.
Qualifies on the same deposit math but stops at the standard program ceiling; the lower bands of the super jumbo ladder overlap it, with the standard program often the cleaner fit there. Inside the standard ceiling, Lendmire arranges bank statement loans in Colorado.
Rent-qualified rather than deposit-qualified: the super jumbo DSCR program puts the property’s income at the center, which suits a leased rental rather than an owner-occupied home. For a leased rental, see super jumbo DSCR loans in Greeley.
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 Greeley 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.
These are the points a lender reads on a Greeley high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the Greeley file clean and fundable.
Before requesting a quote on a Greeley, CO home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: choose the account and the months that produce the cleanest income.
- Read the overlays: confirm the credit floor and housing history above the line.
Occupancy and loan size decide the leverage
Leverage on a Greeley 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 Greeley file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Overlays above the super-jumbo line
The line where a Greeley balance becomes super jumbo is also the line where the overlays begin; every one of them is read before the leverage cell is confirmed.
Reserves scale with the loan size
On a Greeley, 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.
Interest-only and forty-year structures
Where a Greeley, CO borrower wants the lowest payment the ladder allows, an interest-only structure lowers the payment the deposits must carry, at a leverage cap of its own.
From Greeley bank statements to a funded high-balance loan.
Lendmire runs a Greeley high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
Every Greeley 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 Greeley file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
Valuation is settled next: the appraisals the Greeley 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 Greeley, 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.
A super jumbo bank statement file rewards preparation, and preparation is what a brokerage built for self-employed borrowers provides.
Ladders, not guesses
A Greeley 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 Greeley business fairly.
The right wholesale program
High-balance bank-statement ladders differ by program; Lendmire places a Greeley, CO file where its deposits, its credit tier, its occupancy and its property read best, subject to lender program eligibility.
Trusted by homeowners & investors alike.
Greeley super jumbo bank statement loan FAQs
General answers for Greeley 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 Greeley?
Leverage is read, not negotiated. A Greeley 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 a Greeley 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 Greeley 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 happens in the portfolio program’s largest bands and above them?
A Greeley balance in the portfolio program’s upper bands is read case by case before it is submitted; a balance above the program’s top band is a bank portfolio file, with its own credit floor, its own leverage, its own documentation window, and features the portfolio program lacks.
What if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Greeley borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
How long do I need to have been self-employed?
Two years is the standard; the alternatives exist for owners who changed structure or field recently and can document it.
Should I use personal or business statements?
Use the account that tells the truer story: a Greeley 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.
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.
Can I finance a second home this way?
A Greeley second home qualifies on the same deposits, on its own ladder; leverage starts lower than a primary residence and steps down band by band.
What changes above the super-jumbo line?
The overlays begin where the balance becomes super jumbo for its occupancy; they are the portfolio program’s terms at that size, not adjustments. The snapshot shows the lines.
Place your Greeley scenario on the ladder today.
No credit pull, no commitment: an initial review places your Greeley balance on the ladder and tells you what the file will need.
This guide covers Greeley — 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: Loveland · Crested Butte · Centennial · Longmont · Super Jumbo DSCR Loans in Greeley · DSCR Loans in Greeley