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
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
Top leverage applies on a primary residence in the first band of the ladder; each larger band steps leverage down, second homes and investment property start lower, and cash-out has its own ladder.
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 Lewisville, TX 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 Texas, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Texas.
Deposits qualify the loan, not tax returns
The income that matters is what Lewisville business owners actually deposit — personal statements with business transfers at full value, business statements after an expense ratio set by the business type or by an accountant’s letter.
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
Credit tier selects the leverage cell in Lewisville, TX, 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 Lewisville, 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 Lewisville’s self-employed high earners buy — and how a lender reads the market.
These Lewisville, TX figures describe the market, not a borrower; the statements and the appraisal carry the file, and the numbers here only explain the neighborhood it sits in.
Citywide figures provide general market context, not an appraisal or an income calculation. 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 Lewisville submarkets, distinct appraisal stories.
The metropolitan luxury market around Lewisville 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 Lewisville 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. The median owner-occupied home value in Lewisville runs near $378,500 on the latest Census estimate.
High-rise and full-service residences
High-rise units in Lewisville can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. Median household income in Lewisville sits near $89,233, the middle of a distribution whose top end the program serves.
Prestige neighborhoods
The prestige neighborhoods of Lewisville 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. Lewisville counts a population near 131K.
Executive suburbs and enclaves
The relocation market around Lewisville keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. About 13% of Lewisville’s households earn two hundred thousand dollars a year or more — roughly 6,962 households at the top of the income distribution.
Historic and estate districts
The historic estates of Lewisville carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Census estimates place about 2.0% of Lewisville’s owner-occupied homes at a value of one million dollars or more — roughly 491 homes.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Lewisville can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Roughly 7,738 Lewisville workers — about 10% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Submarket descriptions are general market context; the statements, the appraisal, and full underwriting decide every figure in a file.
Four ways Lewisville entrepreneurs put super-jumbo bank-statement financing to work.
Super jumbo bank statement financing in Lewisville, TX is used for more than the first purchase; these are the structures Lewisville borrowers ask about most.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in Lewisville, TX qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Take cash out inside the cash-out ladder
Cash-out in Lewisville, TX has its own rungs: leverage by band and occupancy, a proceeds cap above a certain leverage, and the bank portfolio program’s own treatment at the largest balances.
Refinance out of a bank or bridge loan
A rate-and-term refinance in Lewisville, TX replaces a loan that no longer fits — a short-term bridge, a private loan, a loan the borrower’s returns could not support — on the strength of the deposits.
Finance a second home on the same statements
Second-home financing in Lewisville, 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 Lewisville bank-statement file before requesting a quote.
The calculator does what the lender’s first pass does for a Lewisville 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.
Lewisville bank-statement qualifier
Seeded with Lewisville’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 Lewisville’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 Lewisville 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.
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 Lewisville.
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 Lewisville 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 Lewisville high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the Lewisville file clean and fundable.
Before requesting a quote on a Lewisville, TX home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- 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
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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Lewisville 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.
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.
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.
From Lewisville bank statements to a funded high-balance loan.
Four steps take a Lewisville, TX high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
Every Lewisville 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 Lewisville 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 Lewisville 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 Lewisville, TX 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
The occupancy ladder, the band, the cell, the overlays, and the program are known at the start of a Lewisville, TX file, not discovered in underwriting.
The statements, read fairly
The expense method changes the income; Lendmire chooses the one that reads a Lewisville business most fairly and packages the statements to support 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.
Lewisville super jumbo bank statement loan FAQs
The questions a Lewisville, 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 Lewisville?
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 Lewisville home?
Cash-out has its own rungs and its own proceeds cap. A Lewisville file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
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.
Can I finance a second home this way?
A Lewisville 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?
A profit-and-loss-only path exists on a primary residence at its own leverage cap, prepared by a CPA, enrolled agent or licensed tax preparer — never by the borrower — with a reduction when the preparer cannot confirm filings, and case-by-case treatment above the super-jumbo line.
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.
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.
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 Lewisville, TX file moving.
Talk through a Lewisville high-balance file before the appraisal is ordered.
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 Lewisville — 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.
Also in Texas: Fulshear · Marfa · Grapevine · Denton · Super Jumbo DSCR Loans in Lewisville · DSCR Loans in Lewisville