Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Antioch, CA figures below refresh when the program sheet is updated.
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 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.
Program figures are hydrated from one guideline source and change when it changes. Leverage steps down by loan-size band and occupancy, credit floors rise above the overlay line, cash-out has its own ladder, and the largest balances move to the bank portfolio program; all of it is subject to lender program eligibility and underwriting. No rate, payment, fee, or lender identity appears on this page, and Lendmire is the broker, not the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
For Antioch, CA borrowers, the program is best understood as a table rather than a number: each occupancy has its own ladder, each loan-size band has its own leverage and credit cells, and two programs share the work.
Balance inside the standard ceiling? See Bank Statement Loans in California, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in California.
Deposits qualify the loan, not tax returns
A high-value home in Antioch, CA qualifies the same way a modest one does — on the statements — but the lender reads the deposits, the business, and the expense ratio more closely, because the number they support is larger.
Leverage is a ladder by occupancy and size
Leverage in Antioch, CA 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
Credit tier selects the leverage cell in Antioch, CA, 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 Antioch, CA 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 Antioch’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where Antioch, CA’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.
Read the figures as backdrop. Value and income rarely climb at the same pace; the market figures below show how far Antioch’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 Antioch submarkets, distinct appraisal stories.
Antioch’s high-value stock is not one market. Each submarket below carries its own values, its own appraisal story, and its own review points, and the leverage ladder meets each one differently.
Prestige neighborhoods
The blue-chip streets of Antioch carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Census estimates place about 2.9% of Antioch’s owner-occupied homes at a value of one million dollars or more — roughly 694 homes.
Executive suburbs and enclaves
In the suburbs favored by Antioch’s founders and physicians, homes trade often enough that the appraiser has company, and the ladder applies cleanly. Roughly 5,322 Antioch workers — about 9.5% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
New luxury construction
Newly built luxury homes in Antioch carry the value but not always the comparables; valuation support is settled first, leverage second. About 18% of Antioch’s households earn two hundred thousand dollars a year or more — roughly 6,585 households at the top of the income distribution.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Antioch can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Antioch counts a population near 116K.
Historic and estate districts
The historic estates of Antioch carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. The median owner-occupied home value in Antioch runs near $629,700 on the latest Census estimate.
High-rise and full-service residences
In Antioch’s towers, the borrower’s deposits are one half of the file and the building’s financials are the other; a non-warrantable project carries its own cell. Median household income in Antioch sits near $97,465, the middle of a distribution whose top end the program serves.
Market context only. The leverage cell for an Antioch file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Antioch entrepreneurs put super-jumbo bank-statement financing to work.
How Antioch entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Finance a second home on the same statements
An Antioch 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 an Antioch 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 Antioch 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.
Refinance out of a bank or bridge loan
A rate-and-term refinance in Antioch, CA 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.
Size an Antioch 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 an Antioch 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.
Antioch bank-statement qualifier
Illustrative Antioch inputs; the calculator re-reads the matrix on every change.
Illustrative starting assumptions: a $1,250,000 price set above Antioch’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 an Antioch 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.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Antioch homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in California.
Rent-qualified rather than deposit-qualified: the super jumbo DSCR program puts the property’s income at the center, which suits a leased rental rather than an owner-occupied home. For a leased rental, see super jumbo DSCR loans in Antioch.
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 an Antioch 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 an Antioch high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Antioch file clean and fundable.
A clean Antioch 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: know the expense ratio the business type carries.
- Read the overlays: confirm borrower eligibility under the overlays.
Occupancy and loan size decide the leverage
Leverage on an Antioch 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 Antioch file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Overlays above the super-jumbo line
The line where an Antioch balance becomes super jumbo is also the line where the overlays begin; every one of them is read before the leverage cell is confirmed.
Property type selects its own cell
The property itself can move an Antioch, CA file: a non-warrantable building, a condotel, a large parcel, or a rural designation each changes the cell before the deposits are reviewed.
Asset paths when deposits fall short
An Antioch 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.
From Antioch bank statements to a funded high-balance loan.
Four steps take an Antioch, CA high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
The first step is the ladder: where the Antioch, CA 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 deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Antioch, CA business most fairly and packages the statements to support it.
Appraise and package
The appraisals set the value the ladder is applied to; the Antioch, CA file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Underwriting confirms the income, the ratio, the leverage cell, reserves, and the property; the Antioch file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
High-balance bank-statement lending is where a generalist stumbles: the ladders differ by occupancy and program, the expense methods differ by lender, and the list of wholesale lenders that handle very large self-employed files competently is short.
Ladders, not guesses
Lendmire reads the matrix for an Antioch 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 an Antioch business fairly.
The right wholesale program
High-balance bank-statement ladders differ by program; Lendmire places an Antioch, CA file where its deposits, its credit tier, its occupancy and its property read best, subject to lender program eligibility.
Trusted by homeowners & investors alike.
Antioch super jumbo bank statement loan FAQs
The questions an Antioch, CA 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 Antioch?
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?
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 Antioch home?
Cash-out has its own rungs and its own proceeds cap. An Antioch file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
What changes above the super-jumbo line?
The overlays begin where the balance becomes super jumbo for its occupancy; they are the portfolio program’s terms at that size, not adjustments. The snapshot shows the lines.
What is the rate on a super jumbo bank statement loan?
It is quoted for the file, not the program: the cell, the occupancy, the credit tier, and the structure all move it. Nothing on this page states or implies a rate, a payment or a cost.
Can I finance a second home this way?
An Antioch second home qualifies on the same deposits, on its own ladder; leverage starts lower than a primary residence and steps down band by band.
What expense ratio applies to business statements?
It depends on the business. The program’s fixed ratios rise with employee count and with a product business; an accountant’s letter can replace the fixed ratio where the real margin is better.
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?
The published floor opens the portfolio program’s lower bands; the bank portfolio program carries its own floor; above the super-jumbo overlay line a higher floor applies, and the best leverage cells in every band carry higher floors still. The ladder table shows the credit each best cell requires.
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.
Ready to size an Antioch balance? Start with the deposits.
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 Antioch — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in California, part of Lendmire’s super jumbo bank statement loan program.
Also in California: Escondido · Richmond · Modesto · Rialto · Super Jumbo DSCR Loans in Antioch · DSCR Loans in Antioch