Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Wellington, FL figures below refresh when the program sheet is updated.
Program ceiling
The ceiling belongs to the bank portfolio program, which carries twelve-month-statement files above the portfolio program’s top band; the ladder table shows where each program takes over.
Top primary-residence leverage
The headline leverage belongs to a primary residence at the smallest balances the program accepts; the ladder table below shows what each occupancy and band allows.
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.
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.
For Wellington, FL borrowers, the program is best understood as a table rather than a number: each occupancy has its own ladder, each loan-size band has its own leverage and credit cells, and two programs share the work.
Balance inside the standard ceiling? See Bank Statement Loans in Florida, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Florida.
Deposits qualify the loan, not tax returns
In Wellington, FL, the file is built on statements: consecutive, recent, with transfers between the borrower’s own accounts and unusual deposits excluded, and a limit on returned items in the window. The deposits are the whole income case.
Leverage is a ladder by occupancy and size
Leverage in Wellington, FL is decided band by band and occupancy by occupancy. The same home as a primary residence and as a second home sits on two different ladders — which is why occupancy is entered before the price.
Credit, reserves and overlays rise with the balance
Credit tier selects the leverage cell in Wellington, FL, so a stronger score buys more leverage inside the same band. Reserves are counted in months of the full payment by loan size, longer for a first-time investor.
Two programs, one file
For Wellington, FL 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 Wellington’s self-employed high earners buy — and how a lender reads the market.
Market data for Wellington, FL frame the question every super jumbo bank statement file answers: at this value, do the deposits carry the payment at the leverage the ladder allows?
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 Wellington submarkets, distinct appraisal stories.
Where a Wellington home sits changes what the appraisal has to prove and which cell the property type selects; the submarkets below are the map most high-balance files are read against.
Estate neighborhoods
In Wellington’s established estate streets, the appraiser has company and the ladder applies with few structural adjustments. About 24% of Wellington’s households earn two hundred thousand dollars a year or more — roughly 5,346 households at the top of the income distribution.
Acreage and equestrian property
The estate parcels around Wellington carry space premiums, and the file has to show the acreage stays inside the limit for its loan band. Census estimates place about 12% of Wellington’s owner-occupied homes at a value of one million dollars or more — roughly 1,937 homes.
Golf and club communities
Club communities in Wellington add dues and transfer rules to the file; both sit inside the debt-to-income math and the eligibility review before the leverage cell is confirmed. Median household income in Wellington sits near $115,632, the middle of a distribution whose top end the program serves.
Executive relocation homes
In Wellington, a high-value home bought during a relocation is underwritten on the same statements, with the departing residence treated by the program that accommodates it. Roughly 5,494 Wellington workers — about 18% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and condominiums
In Wellington’s luxury attached product, the association package carries underwriting weight — warrantability, reserves, litigation — and a non-warrantable project has its own cell. The median owner-occupied home value in Wellington runs near $599,400 on the latest Census estimate.
New luxury construction
New luxury construction around Wellington appraises on comparables that may be scarce for the product, so the appraisal review is longer and a second appraisal is routine at larger balances. Wellington counts a population near 62K.
These are patterns, not promises: each Wellington home is underwritten on its own appraisal, its own deposits, and its own place on the ladder.
Four ways Wellington entrepreneurs put super-jumbo bank-statement financing to work.
From a primary residence to a second home to a departing-residence move, super jumbo bank statement loans in Wellington, FL solve a specific set of problems for self-employed buyers.
Move with a departing residence
Buy the next Wellington 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
For a Wellington 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.
Qualify on assets instead of deposits
A Wellington 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 Wellington 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 Wellington bank-statement file before requesting a quote.
This tool applies the ladder to a Wellington scenario: occupancy, loan size and credit tier select a leverage cell, the deposits become income by the program’s method, and the debt-to-income cap turns that income into a monthly housing budget. Nothing here is a rate or a payment.
Wellington bank-statement qualifier
A Wellington 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 Wellington’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 Wellington, FL 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.
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.
For a Wellington, FL 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 Florida.
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 Wellington.
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 Wellington 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 Wellington, FL 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 Wellington file clean and fundable.
A clean Wellington 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: confirm the band and the credit tier the best cell requires.
- Count the deposits: know the expense ratio the business type carries.
- Check the cash-out path: expect a proceeds cap above the set leverage.
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
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.
Cash-out has its own ladder and a proceeds cap
Cash-out on a Wellington home steps down by band and occupancy, and the proceeds are capped above a set leverage on the portfolio program; at or below that leverage the proceeds are not capped. The bank portfolio program publishes no cap of its own.
The review line and the bank-program hand-off
The two programs share one ladder in Wellington, FL, 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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Wellington file carries a stricter credit floor, a spotless recent housing history, a longer seasoning window, no non-occupant co-borrowers, no rural property, and reserves that cash-out proceeds may not satisfy.
From Wellington bank statements to a funded high-balance loan.
The process for a Wellington, FL super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
The first step is the ladder: where the Wellington, FL 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
Lendmire computes the Wellington 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 Wellington, FL 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 Wellington file closes on the terms the ladder allows.
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
Lendmire reads the matrix for a Wellington 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 a Wellington business fairly.
The right wholesale program
A Wellington 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.
Wellington super jumbo bank statement loan FAQs
What Wellington, FL 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 Wellington?
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 Wellington home?
Cash-out has its own rungs and its own proceeds cap. A Wellington file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
Is interest-only available?
Through select programs, yes: 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.
What if my deposits fall short but my assets are strong?
Two paths: an asset allowance that adds qualifying income from liquid assets divided over a set number of months — a shorter divisor when it supplements statement income, a longer one when it stands alone or the balance is above the line — at its own leverage cap and seasoning; or an assets-only qualification on liquidity alone, with no ratio calculated and no reserves required.
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.
What credit score does a super jumbo bank statement loan require?
There are two answers: the floor for the band and the floor for the cell. A stronger tier buys more leverage inside the same band, which is why the calculator asks for the credit tier.
How long does a super jumbo bank statement loan take?
It depends on the balance: one appraisal or two, the portfolio program or the bank program, and how quickly the statements arrive. Preparation is what keeps a Wellington, FL file moving.
What is the rate on a super jumbo bank statement loan?
No rate is published on these pages; it depends on the leverage cell, the occupancy, the credit tier, the structure, and the program. The calculator on this page quotes no rate and no payment; a scenario review produces the terms.
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.
Place your Wellington 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 Wellington — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Florida, part of Lendmire’s super jumbo bank statement loan program.
Also in Florida: Delray Beach · West Palm Beach · Miramar Beach · Siesta Key · Super Jumbo DSCR Loans in Wellington · DSCR Loans in Wellington