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
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
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.
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 Round Rock, 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 program asks one question of a Round Rock 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
Leverage in Round Rock, TX 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
The program reads credit twice for a Round Rock 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 Round Rock, 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.
This is the whole test, applied at the leverage the ladder allows for the occupancy and balance. The tool below reads the matrix for your inputs; underwriting decides the real numbers.
Where Round Rock’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where Round Rock, TX’s self-employed high earners buy and what the top of the market costs; a lender reads those figures as context for the appraisal, not as underwriting inputs.
These are context figures, not underwriting inputs. Value and income rarely climb at the same pace; the market figures below show how far Round Rock’s top of market has moved, and the calculator shows what that means for the debt-to-income math.
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 Round Rock submarkets, distinct appraisal stories.
Across Round Rock’s prestige neighborhoods, high-rise residences, and historic estates, the same program produces different structures because values, comparables, and property types differ block by block.
Luxury townhomes and two-to-four-unit homes
In Round Rock, a high-value townhome or a small multi-unit home the borrower occupies qualifies on statements like any other, and the property type selects its own cell on the matrix. Census estimates place about 1.9% of Round Rock’s owner-occupied homes at a value of one million dollars or more — roughly 524 homes.
Prestige neighborhoods
In Round Rock’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. Round Rock counts a population near 128K within the Austin-Round Rock-San Marcos, TX area.
Historic and estate districts
The historic estates of Round Rock carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Roughly 7,022 Round Rock workers — about 9.9% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
New luxury construction
Newly built luxury homes in Round Rock carry the value but not always the comparables; valuation support is settled first, leverage second. About 17% of Round Rock’s households earn two hundred thousand dollars a year or more — roughly 8,449 households at the top of the income distribution.
Executive suburbs and enclaves
The executive enclaves around Round Rock 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. Median household income in Round Rock sits near $99,287, the middle of a distribution whose top end the program serves.
High-rise and full-service residences
High-rise units in Round Rock can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. The median owner-occupied home value in Round Rock runs near $418,600 on the latest Census estimate.
Submarket descriptions are general market context; the statements, the appraisal, and full underwriting decide every figure in a file.
Four ways Round Rock entrepreneurs put super-jumbo bank-statement financing to work.
The same deposit-qualified structure serves several purposes at high balances in Round Rock, TX; four of the most common are below.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in Round Rock, 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 Round Rock, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Finance a second home on the same statements
For a Round Rock second home, the file is the borrower’s deposits plus the property’s own review; the leverage follows the second-home ladder.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a Round Rock home uses the cash-out path where the ladder allows it, knowing the proceeds cap applies above the set leverage.
Size a Round Rock bank-statement file before requesting a quote.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show for a Round Rock scenario. The calculator computes qualifying income the way the program does, 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. No rate or payment is shown or implied.
Round Rock bank-statement qualifier
Starting assumptions reflect Round Rock’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above Round Rock’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 Round Rock, 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.
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.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Round Rock homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in Texas.
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 Round Rock.
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 Round Rock scenario review.
A typical starting file for a high-value home.
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.
The larger the balance, the more the details matter. In Round Rock, TX, these are the ones that most often change a file’s shape.
Use these checks to keep the Round Rock file clean and fundable.
Before requesting a quote on a Round Rock, TX home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: confirm the band and the credit tier the best cell requires.
- Count the deposits: keep the statements consecutive, recent and free of unusual deposits.
- Know the program: expect twelve-month statements and a lower cap on the bank program.
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
Transfers between the borrower’s own accounts, unusual deposits, and cash not customary to the business are excluded, and returned items are limited inside the window; a Round Rock, TX file with clean, consecutive statements and a defensible expense ratio reads cleanly.
The review line and the bank-program hand-off
The two programs share one ladder in Round Rock, TX, 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.
Cash-out has its own ladder and a proceeds cap
Cash-out on a Round Rock 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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Round Rock 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 Round Rock bank statements to a funded high-balance loan.
The process for a Round Rock, TX super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Round Rock 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 Round Rock 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 Round Rock balance requires and the property review, while the file is assembled for the wholesale program whose ladder reads it best.
Close and fund
The Round Rock loan closes once underwriting confirms the income at the chosen method and the ratio inside the cap, with reserves verified.
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 Round Rock 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 Round Rock business fairly.
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.
Round Rock super jumbo bank statement loan FAQs
Program-level answers to the questions Round Rock 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 Round Rock?
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; each larger band steps down. The ladder table on this page shows the best cell for each occupancy.
How is my income calculated from bank statements?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Round Rock 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 Round Rock 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 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.
Can I finance a second home this way?
A Round Rock second home qualifies on the same deposits, on its own ladder; leverage starts lower than a primary residence and steps down band by band.
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.
Does the program finance investment property?
Yes, on the investment ladder, with title in an entity accommodated subject to lender program eligibility, a prepayment structure on investment occupancy, a short-term rental balance cap, and longer reserves for a first-time investor. A rental whose rent should carry the file may fit the super jumbo DSCR program better.
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 Round Rock file planned around the overlays clears them, one planned without them stalls.
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.
Talk through a Round Rock high-balance file before the appraisal is ordered.
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 Round Rock — 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: Denison · Burleson · DeSoto · Laredo · Super Jumbo DSCR Loans in Round Rock · DSCR Loans in Round Rock