Current super-jumbo bank-statement guidelines, updated from one source.
Every super jumbo bank statement page in this series shows the same live program figures, read from one guideline source rather than typed into each page.
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
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, 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.
For Frisco, TX 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.
For a balance inside the standard ceiling, the standard program covers it — see the guide to bank statement loans in Texas. The statewide guide to super jumbo bank statement loans in Texas explains the ladder for every market in the state.
Deposits qualify the loan, not tax returns
In Frisco, TX, 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 carry the income case.
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 and its ladder table above show the doors open today.
Credit, reserves and overlays rise with the balance
Above the overlay line, a Frisco 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 Frisco, TX 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 Frisco’s self-employed high earners buy — and how a lender reads the market.
For Frisco, TX, 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.
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 Frisco submarkets, distinct appraisal stories.
Where a Frisco 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.
Historic and estate districts
The historic estates of Frisco carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Roughly 11,476 Frisco workers — about 9.9% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
High-rise and full-service residences
Full-service residences in Frisco’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 deciding the leverage cell. Frisco counts a population near 219K.
New luxury construction
Where Frisco is adding new estates and towers, the value case rests on recent closed sales of similar product, and the lender applies the ladder only once those support the number. Median household income in Frisco sits near $150,212, 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 Frisco can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Census estimates place about 13% of Frisco’s owner-occupied homes at a value of one million dollars or more — roughly 6,781 homes.
Prestige neighborhoods
In Frisco’s established luxury districts, values are well supported, so the ladder applies with fewer structural adjustments than in thinner markets and the appraisal rarely lands below the contract. The median owner-occupied home value in Frisco runs near $642,100 on the latest Census estimate.
Executive suburbs and enclaves
The relocation market around Frisco keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. About 36% of Frisco’s households earn two hundred thousand dollars a year or more — roughly 27,963 households at the top of the income distribution.
None of this is a valuation or an income calculation; it is the backdrop a Frisco file is read against before the statements and the appraisal decide the numbers.
Four ways Frisco entrepreneurs put super-jumbo bank-statement financing to work.
From a primary-residence purchase to a rate-and-term refinance, a file that leans on assets, or a second home, super jumbo bank statement loans in Frisco, TX solve a specific set of problems for self-employed buyers.
Buy a primary residence above the standard ceiling
For a Frisco 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
Move a Frisco 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.
Qualify on assets instead of deposits
For Frisco 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.
Finance a second home on the same statements
Second-home financing in Frisco, TX 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.
Size a Frisco bank-statement file before requesting a quote.
The calculator does what the lender’s first pass does for a Frisco 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.
Frisco bank-statement qualifier
Seeded with Frisco’s market figures; every field is editable, and the leverage cell updates as occupancy, balance and credit tier change.
Illustrative starting assumptions: a $1,250,000 price set above Frisco’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 Frisco, TX 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.
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.
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 Texas.
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 Frisco.
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 a Frisco 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.
Beyond the deposits and the credit tier, a handful of details decide where a Frisco high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Frisco file clean and fundable.
Three checks keep a Frisco high-balance file on track: the rung for the occupancy comes first, and the checklist below carries the rest for this market.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: keep the statements consecutive, recent and free of unusual deposits.
- Read the overlays: count reserves without cash-out proceeds above the line.
Occupancy and loan size decide the leverage
Leverage on a Frisco 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 Frisco 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 Frisco 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 Frisco, TX 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
Before the statements are read, a Frisco property is checked against the program’s property rules — unit count, warrantability, acreage, rural treatment, and occupancy limits.
From Frisco bank statements to a funded high-balance loan.
Four steps take a Frisco, TX high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
The first step is the ladder: where the Frisco, TX 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 Frisco, TX business most fairly and packages the statements to support it.
Appraise and package
The appraisals set the value the ladder is applied to; the Frisco, TX 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 Frisco 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
A Frisco 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 Frisco business fairly.
The right wholesale program
A Frisco 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.
Frisco super jumbo bank statement loan FAQs
The questions a Frisco, TX 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 Frisco?
From a matrix: occupancy chooses the ladder, the balance places the file in a band, the credit tier selects a cell inside it, and that cell is the leverage. A primary residence carries the highest leverage in the smallest band; leverage steps down as the balance climbs. The ladder table on this page shows the best cell for each occupancy.
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 Frisco home?
Cash-out has its own rungs and its own proceeds cap. A Frisco 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.
What happens in the portfolio program’s largest bands and above them?
Two things: the portfolio program reviews its largest balances before submission, and the bank portfolio program continues the ladder to the ceiling on its own terms; the calculator names the program and the review for any balance entered.
What changes above the super-jumbo line?
Credit, history, seasoning, borrower eligibility and property rules all tighten above the line; a Frisco file planned around the overlays clears them, one planned without them stalls.
Is interest-only available?
Yes, at a leverage cap and credit floor of its own. Because the payment the deposits are measured against is smaller, an interest-only structure often makes a high-balance file work.
How long does a super jumbo bank statement loan take?
The appraisal work and the disclosure timeline set the pace on a Frisco high-balance file; the file itself is packaged in parallel.
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.
What does Lendmire do on a Frisco high-balance file?
The structural work: occupancy ladder, band, cell, expense method, overlays, appraisals, reserves, program. A Frisco borrower brings the statements; Lendmire brings the ladder.
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.
Bring the statements. We will run the ladder.
A first read of a Frisco 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 Frisco — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Texas, part of Lendmire’s super jumbo bank statement loan program.
Nearby markets in Texas: Little Elm · Plano · Allen · McKinney · Lewisville · Celina · Carrollton · Richardson
Other loan programs in Frisco: DSCR Loans in Frisco, TX · Super Jumbo DSCR Loans in Frisco, TX · Short-Term Rental Loans in Frisco, TX · Investment Property Cash-Out Refinance in Frisco, TX · Hard Money Loans in Frisco, TX · Bank Statement Loans in Frisco, TX · Bank Statement HELOC in Frisco, TX · Investment Property HELOC in Frisco, TX