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 North Richland Hills, TX is 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
At the first rung of the ladder a primary residence reaches this ceiling; second homes and investment property carry their own ceilings, and every band above steps down.
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
The credit floor for the portfolio program’s lower bands; the bank portfolio program carries its own floor, and above the overlay line a higher floor applies.
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.
Nothing on this page is a Loan Estimate, an approval, a quote, or a commitment to lend. Super jumbo bank statement leverage, credit, reserves, and documentation rules are read from the program matrix for a specific occupancy, loan size and credit tier and depend on the statements, the property, and full underwriting through select wholesale lenders licensed in sixteen states. Lendmire is a mortgage broker and is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
Deposit-qualified financing at scale: that is the whole idea of a super jumbo bank statement loan in North Richland Hills, TX. The statements carry the file; the ladder sets the leverage; the balance decides which program.
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
A super jumbo bank statement loan in North Richland Hills, TX 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
Leverage on a super jumbo bank statement loan in North Richland Hills, TX is read from a matrix of occupancy, loan-size bands, and credit tiers. A primary residence carries the highest leverage in the smallest band; second homes and investment property start lower; every larger band steps down.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a North Richland Hills 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
The largest North Richland Hills, TX balances belong to the bank portfolio program: twelve-month statements, a bank-statement leverage cap, adjustable structures, and features the portfolio program lacks. The portfolio program’s super-jumbo overlays apply above its own line, and its top bands are reviewed case by case before submission.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show; the calculator computes the income the program’s way and reads the leverage cell for the balance.
Where North Richland Hills’ self-employed high earners buy — and how a lender reads the market.
These North Richland Hills, 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.
These are context figures, not underwriting inputs. The higher the value, the larger the payment the deposits must carry inside the cap; that is the pattern in nearly every luxury market, and it is why super jumbo bank statement files carry more equity, longer statements, or an asset-based path.
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 North Richland Hills submarkets, distinct appraisal stories.
A super jumbo bank statement file in North Richland Hills reads differently by submarket — appraisal depth, association packages, acreage, and property type all shift from one to the next.
Acreage and equestrian property
The estate parcels around North Richland Hills carry space premiums, and the file has to show the acreage stays inside the limit for its loan band. Census estimates place about 0.6% of North Richland Hills’ owner-occupied homes at a value of one million dollars or more — roughly 99 homes.
Estate neighborhoods
In North Richland Hills’ established estate streets, the appraiser has company and the ladder applies with few structural adjustments. About 15% of North Richland Hills’ households earn two hundred thousand dollars a year or more — roughly 4,157 households at the top of the income distribution.
New luxury construction
Where North Richland Hills is adding new estate subdivisions, the value case rests on closed sales of similar product; the lender applies the ladder only once those support the number. The median owner-occupied home value in North Richland Hills runs near $360,700 on the latest Census estimate.
Luxury townhomes and condominiums
In North Richland Hills’ luxury attached product, the association package carries underwriting weight — warrantability, reserves, litigation — and a non-warrantable project has its own cell. North Richland Hills counts a population near 71K.
Executive relocation homes
In North Richland Hills, 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. Median household income in North Richland Hills sits near $97,305, the middle of a distribution whose top end the program serves.
Golf and club communities
Behind the club gates in North Richland Hills, the file has to show that the dues fit inside the cap and the community’s documents pass review. Roughly 3,727 North Richland Hills workers — about 10.0% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Read the submarkets as orientation. The file’s figures come from the statements, the appraisal, and the program matrix.
Four ways North Richland Hills entrepreneurs put super-jumbo bank-statement financing to work.
Super jumbo bank statement financing in North Richland Hills, TX is used for more than the first purchase; these are the structures North Richland Hills borrowers ask about most.
Refinance out of a bank or bridge loan
Move a North Richland Hills 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.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in North Richland Hills, TX qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Move with a departing residence
In North Richland Hills, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Qualify on assets instead of deposits
For North Richland Hills 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.
Size a North Richland Hills bank-statement file before requesting a quote.
This tool applies the ladder to a North Richland Hills 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.
North Richland Hills bank-statement qualifier
Starting assumptions reflect North Richland Hills’ home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above North Richland Hills’ 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 North Richland Hills, TX 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.
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 North Richland Hills.
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 North Richland Hills 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.
These are the points a lender reads on a North Richland Hills high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the North Richland Hills file clean and fundable.
A clean North Richland Hills 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: 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.
- Confirm the property: check acreage and any rural designation.
Occupancy and loan size decide the leverage
Leverage on a North Richland Hills 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 North Richland Hills file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Property type selects its own cell
Before the statements are read, a North Richland Hills property is checked against the program’s property rules — unit count, warrantability, acreage, rural treatment, and occupancy limits.
Asset paths when deposits fall short
For North Richland Hills, TX borrowers whose wealth sits in accounts rather than in deposits, the program’s asset paths supplement or replace statement income, with retirement assets counted at a discount and foreign assets excluded.
Interest-only and forty-year structures
Where a North Richland Hills, TX 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 North Richland Hills bank statements to a funded high-balance loan.
Lendmire runs a North Richland Hills high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
The first step is the ladder: where the North Richland Hills, 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 statements are read the program’s way: the account, the months, the exclusions, the expense method, the ownership share — and the income that results is measured against the obligations inside the cap.
Appraise and package
The appraisals set the value the ladder is applied to; the North Richland Hills, TX file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Final underwriting reads the whole North Richland Hills, 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.
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
Lendmire reads the matrix for a North Richland Hills 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
The expense method changes the income; Lendmire chooses the one that reads a North Richland Hills 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.
North Richland Hills super jumbo bank statement loan FAQs
Program-level answers to the questions North Richland Hills borrowers raise most about super jumbo bank statement loans. Every file is underwritten individually; nothing here is a commitment.
How is leverage decided on a super jumbo bank statement loan in North Richland Hills?
Leverage is read, not negotiated. A North Richland Hills 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?
Eligible deposits over twelve or twenty-four months, divided by the months, after the ownership share and any expense ratio. Personal statements with business transfers count at full value; business statements carry an expense ratio set by the business type and employee count, an accountant’s letter, a profit-and-loss statement, or the deposits-less-withdrawals method.
Can I take cash out of a high-value North Richland Hills home?
Inside the cash-out ladder for the occupancy, yes. Leverage steps down by band, and on the portfolio program the proceeds are capped above a set leverage — at or below it the proceeds are not capped. The bank portfolio program publishes no cap of its own, and state home-equity rules apply where they exist.
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.
Can I qualify on a profit-and-loss statement instead?
Yes, within its limits: preparer-prepared, primary residence, a lower leverage cap than statements, and its own credit floor for interest-only.
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.
How long do I need to have been self-employed?
Two years, or one year with two years of prior work in the same field, or one year plus a year of formal training. Wage or fixed income can be combined with the statement income.
What changes above the super-jumbo line?
A higher credit floor, a spotless recent housing history, longer seasoning after any credit event, U.S. citizenship or permanent residency, no non-occupant co-borrowers, no rural property, an acreage limit, and reserves that cash-out proceeds may not satisfy. The line sits higher for a primary residence than for a second home or investment property.
Does the program finance investment property?
It does, within the same licensing footprint, on the investment ladder; Lendmire compares it with the rent-qualified path before choosing.
What credit score does a super jumbo bank statement loan require?
It depends on the balance, the occupancy and the leverage requested. The floor in the snapshot applies at the bottom of the ladder; larger balances and top cells require stronger credit, and a single recent housing late reduces leverage.
Place your North Richland Hills scenario on the ladder today.
Share the property, the statements you would use, and the equity you plan to bring; a Lendmire loan officer places the scenario on the ladder and follows up.
This guide covers North Richland Hills — 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: Waxahachie · San Antonio · Texarkana · Sugar Land · Super Jumbo DSCR Loans in North Richland Hills · DSCR Loans in North Richland Hills