Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Tyler, TX 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
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 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.
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.
A super jumbo bank statement loan is the standard bank-statement structure carried to larger balances: the deposits qualify the borrower, and a matrix of occupancy, loan size and credit tier decides the leverage. In Tyler, TX, that ladder is what a buyer plans around.
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 Tyler 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
The ladder is the program: as a Tyler, TX balance climbs from one band to the next, leverage steps down and the credit required for the top cell rises. Planning the equity around the band is the first structural decision.
Credit, reserves and overlays rise with the balance
In Tyler, TX, the overlays above the line are the program’s way of translating size into credit: a higher floor, a spotless housing history, longer seasoning after any credit event, and reserves that scale with the payment.
Two programs, one file
For Tyler, 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 income is measured the way the program measures it, and the leverage cell is read from the matrix for the occupancy, loan size and credit tier. The calculator applies both; the statements and the appraisal apply the rest.
Where Tyler’s self-employed high earners buy — and how a lender reads the market.
The stock of high-value homes in Tyler, TX, the share of households at the top of the income distribution, and the share of workers who work for themselves together sketch the market a high-balance bank-statement file is underwritten in.
Read the figures as backdrop. Value and income rarely climb at the same pace; the market figures below show how far Tyler’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 Tyler submarkets, distinct appraisal stories.
Across Tyler’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
Luxury townhome rows and owner-occupied two-to-four-unit homes in Tyler are underwritten on the same deposits, with a unit-count leverage cell and, on multi-unit property, the appraisal’s rent schedule read as context. The median owner-occupied home value in Tyler runs near $235,300 on the latest Census estimate.
New luxury construction
New luxury construction in Tyler 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. Median household income in Tyler sits near $67,486, the middle of a distribution whose top end the program serves.
Prestige neighborhoods
The prestige neighborhoods of Tyler 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. Tyler counts a population near 109K within the Tyler, TX area.
Historic and estate districts
Historic property in Tyler appraises on a thin comparable set; two appraisals are routine once the balance crosses the line, and the review takes longer. Census estimates place about 2.1% of Tyler’s owner-occupied homes at a value of one million dollars or more — roughly 452 homes.
Executive suburbs and enclaves
In the suburbs favored by Tyler’s founders and physicians, homes trade often enough that the appraiser has company, and the ladder applies cleanly. About 9.2% of Tyler’s households earn two hundred thousand dollars a year or more — roughly 3,543 households at the top of the income distribution.
High-rise and full-service residences
High-rise units in Tyler can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. Roughly 5,794 Tyler workers — about 11% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
These are patterns, not promises: each Tyler home is underwritten on its own appraisal, its own deposits, and its own place on the ladder.
Four ways Tyler entrepreneurs put super-jumbo bank-statement financing to work.
Super jumbo bank statement financing in Tyler, TX is used for more than the first purchase; these are the structures Tyler borrowers ask about most.
Finance a second home on the same statements
A Tyler 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.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a Tyler home uses the cash-out path where the ladder allows it, knowing the proceeds cap applies above the set leverage.
Qualify on assets instead of deposits
For Tyler 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.
Move with a departing residence
In Tyler, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Size a Tyler bank-statement file before requesting a quote.
Test a Tyler balance against the ladder: occupancy, loan size and credit tier select the leverage, the deposits set the income, and the cap sets the budget. Overlays above the super-jumbo line, the bank portfolio hand-off and the cash-out proceeds cap are applied automatically.
Tyler bank-statement qualifier
A Tyler 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 Tyler’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.
The right structure for a Tyler, 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.
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.
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.
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 Tyler.
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 Tyler 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 Tyler high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Tyler file clean and fundable.
Three checks keep a Tyler high-balance file on track: know the rung for the occupancy, know how the deposits will be counted, and know the overlays that apply above the line.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: keep the statements consecutive, recent and free of unusual deposits.
- Check the cash-out path: know the state’s home-equity rules where they exist.
Occupancy and loan size decide the leverage
Leverage on a Tyler 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 Tyler file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Cash-out has its own ladder and a proceeds cap
Cash-out is available lower on the ladder than purchase; a Tyler file that wants more proceeds than the cap allows brings the leverage down or restructures.
Asset paths when deposits fall short
A Tyler file with strong liquidity has two more doors: supplement the deposits with an asset allowance, or qualify on assets alone, subject to lender program eligibility.
Reserves scale with the loan size
On a Tyler, 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.
From Tyler bank statements to a funded high-balance loan.
The process for a Tyler, TX 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 Tyler, 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
Lendmire computes the Tyler 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 Tyler balance requires and the property review, while the file is assembled for the wholesale program whose ladder reads it best.
Close and fund
Underwriting confirms the income, the ratio, the leverage cell, reserves, and the property; the Tyler file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
Placing a Tyler high-balance file well means knowing which program’s ladder reads it best, which expense method reads the business most fairly, and where the overlay line sits — before the appraisal is ordered.
Ladders, not guesses
A Tyler 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
Personal or business statements, twelve or twenty-four months, a fixed ratio or an accountant’s letter — the choice is made for the Tyler, TX file before the lender sees it.
The right wholesale program
A Tyler 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.
Tyler super jumbo bank statement loan FAQs
Program-level answers to the questions Tyler 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 Tyler?
Leverage is read, not negotiated. A Tyler 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?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Tyler 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 Tyler home?
Cash-out has its own rungs and its own proceeds cap. A Tyler file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
What if my deposits fall short but my assets are strong?
Strong liquidity opens the asset-allowance path or the assets-only path, subject to lender program eligibility; Lendmire runs both against the deposits before choosing.
What happens in the portfolio program’s largest bands and above them?
A Tyler balance in the portfolio program’s upper bands is read case by case before it is submitted; a balance above the program’s top band is a bank portfolio file, with its own credit floor, its own leverage, its own documentation window, and features the portfolio program lacks.
How long does a super jumbo bank statement loan take?
Long enough for the statements to be read the program’s way, the appraisals to be completed — two above the line — and the consumer disclosures to run their course. Lendmire settles the ladder and the income first so the appraisal is the only wait.
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.
What changes above the super-jumbo line?
Credit, history, seasoning, borrower eligibility and property rules all tighten above the line; a Tyler 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.
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.
Talk through a Tyler high-balance file before the appraisal is ordered.
A first read of a Tyler 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 Tyler — 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: Conroe · Missouri City · Laredo · Mission · Super Jumbo DSCR Loans in Tyler · DSCR Loans in Tyler