Bank Statement Loans

The deposit math is the same at $20 million as it is at $500,000. The leverage, the credit floor, and the reserve math are not.

Complete Guide To A $10 Million Bank Statement Mortgage — A loan this size runs through two different wholesale structures, not one.

Complete Guide To Bank Statement Loans Above $3 Million — Above $3 million, a bank statement loan works on the same principle it does

Through select wholesale programs, subject to full underwriting, loan sizes run from $300,000 to $30,000,000. Leverage steps down as the loan gets bigger.

These specifics are subject to lender guidelines and a full review of property, leverage, and credit.

– Qualifying income comes from averaged bank deposits over 12 or 24 months, not adjusted gross income from a tax return.

Sizes run from $300,000 to $20 million across two different wholesale channels, each with its own rules.

Below that, most of what determines the outcome is credit depth, reserves, and which documentation path fits the borrower’s actual cash flow.

Jumbo Bank Statement Mortgage: Complete Guide — A jumbo bank statement mortgage lets a self-employed borrower buy or refinance a home

These non-QM programs run from $300,000 to $20,000,000, with leverage that steps down as the loan size climbs.

– “Super jumbo” is a lender-defined pricing tier, not a federal classification — it describes loans well above standard jumbo thresholds.