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 Broomfield, CO is the ladder in force.
Program ceiling
Balances run from the program minimum to the ceiling shown, across two programs; the largest bands sit on the bank portfolio program at its bank-statement leverage cap.
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 the ceilings fall as the balance climbs (not at every band) — the ladder table shows each one.
Months of bank statements
Twelve or twenty-four months of statements qualify the file; the expense ratio depends on whether the account is personal or business and on the size of the business.
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, the bank portfolio program alongside it and on 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.
The mechanics in Broomfield, CO are the same as any bank-statement loan — eligible deposits divided by the statement months — with one addition: the leverage, the credit floor, the reserves, and the appraisal work all scale with the balance and shift with occupancy.
For a balance inside the standard ceiling, the standard program covers it — see the guide to bank statement loans in Colorado. The statewide guide to super jumbo bank statement loans in Colorado explains the ladder for every market in the state.
Deposits qualify the loan, not tax returns
In Broomfield, CO, the file is built on statements: consecutive, recent, with transfers between the borrower’s own accounts and unusual deposits excluded, and a limit on returned items in the window. The deposits carry the income case.
Leverage is a ladder by occupancy and size
Think of the ladder as a set of doors: occupancy chooses the wing, the loan size chooses the hallway, the credit tier chooses the door, and the door is the leverage. The snapshot and its ladder table above show the doors open today.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Broomfield 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 Broomfield, CO 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 Broomfield’s self-employed high earners buy — and how a lender reads the market.
These Broomfield, CO 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.
Market context only. In high-value markets, the buyers are disproportionately owners of businesses whose tax returns understate their cash flow; the statements exist to show the income the returns hide, and the ladder exists to size the loan against it.
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 Broomfield submarkets, distinct appraisal stories.
A super jumbo bank statement file in Broomfield reads differently by submarket — appraisal depth, association packages, acreage, and property type all shift from one to the next.
Prestige neighborhoods
The blue-chip streets of Broomfield 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 12% of Broomfield’s owner-occupied homes at a value of one million dollars or more — roughly 2,470 homes.
New luxury construction
Where Broomfield is adding new estates and towers, the value case rests on recent closed sales of similar product, and the lender applies the ladder only once those support the number. Median household income in Broomfield sits near $123,874, the middle of a distribution whose top end the program serves.
Executive suburbs and enclaves
In the suburbs favored by Broomfield’s founders and physicians, homes trade often enough that the appraiser has company, and the ladder applies cleanly. About 26% of Broomfield’s households earn two hundred thousand dollars a year or more — roughly 8,209 households at the top of the income distribution.
Historic and estate districts
The historic estates of Broomfield carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Roughly 3,816 Broomfield workers — about 8.9% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and two-to-four-unit homes
Luxury townhome rows and owner-occupied two-to-four-unit homes in Broomfield 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. Broomfield counts a population near 76K within the Denver-Aurora-Centennial, CO area.
High-rise and full-service residences
High-rise units in Broomfield 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 Broomfield runs near $664,500 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 Broomfield entrepreneurs put super-jumbo bank-statement financing to work.
How Broomfield entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Buy a primary residence above the standard ceiling
Acquire a Broomfield estate or tower residence as a primary home and qualify on deposits, with the highest leverage the ladder offers at the balance and interest-only available through select programs.
Finance a second home on the same statements
A Broomfield 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.
Refinance out of a bank or bridge loan
When a high-value Broomfield home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Move with a departing residence
A relocating Broomfield, CO borrower who is selling one home while buying the next can be carried by the program that treats the departing residence as part of the file.
Size a Broomfield 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 Broomfield 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.
Broomfield bank-statement qualifier
Illustrative Broomfield inputs; the calculator re-reads the matrix on every change.
Illustrative starting assumptions: a $1,250,000 price set above Broomfield’s median owner-occupied home value to land on the program’s ladder, 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, three very different files.
The right structure for a Broomfield, CO 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.
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.
For a Broomfield, CO home inside the standard ceiling, the standard bank-statement program is usually the simpler file; the super jumbo ladder is for the balance above it. Inside the standard ceiling, Lendmire arranges bank statement loans in Colorado.
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 Broomfield.
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 Broomfield 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 Broomfield high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Broomfield file clean and fundable.
Before requesting a quote on a Broomfield, CO home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: choose the account and the months that produce the cleanest income.
- Check the cash-out path: know the state’s home-equity rules where they exist.
Occupancy and loan size decide the leverage
In Broomfield, CO, the same home financed as a primary residence and as a second home sits on two different ladders; the calculator on this page reads the matrix for the exact occupancy, size and credit tier, and the structure is planned from there.
How the deposits are counted
Personal statements with business transfers count at full value; business statements carry an expense ratio set by the business type and employee count, or an accountant’s letter; the borrower must own a minimum share of the business, and the deposits must be consistent inside the window.
Cash-out has its own ladder and a proceeds cap
Cash-out on a Broomfield 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.
The review line and the bank-program hand-off
The two programs share one ladder in Broomfield, CO, 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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Broomfield 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 Broomfield bank statements to a funded high-balance loan.
The process for a Broomfield, CO super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Broomfield 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 Broomfield 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 Broomfield balance requires and the property review, while the file is assembled for the wholesale program whose ladder reads it best.
Close and fund
Final underwriting reads the whole Broomfield, CO 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.
A super jumbo bank statement file rewards preparation, and preparation is what a brokerage built for self-employed borrowers provides.
Ladders, not guesses
The occupancy ladder, the band, the cell, the overlays, and the program are known at the start of a Broomfield, CO file, not discovered in underwriting.
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 Broomfield, CO file before the lender sees it.
The right wholesale program
A Broomfield 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.
Broomfield super jumbo bank statement loan FAQs
The questions a Broomfield, CO 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 Broomfield?
By occupancy, loan size and credit tier. There is no single loan-to-value on the program; the ladder steps leverage down as the balance climbs, and the best cell in every band requires stronger credit.
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 Broomfield 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?
No rate is published on these pages; it depends on the leverage cell, the occupancy, the credit tier, the structure, and the program. The calculator on this page quotes no rate and no payment; a scenario review produces the terms.
Is interest-only available?
Yes, at a leverage cap and credit floor of its own. Because the payment the deposits are measured against is smaller, an interest-only structure often makes a high-balance file work.
What does Lendmire do on a Broomfield high-balance file?
Reads the balance against the matrix for the occupancy, chooses the statement method that reads the business most fairly, chooses the wholesale program whose ladder fits, packages the file — statements, credit, reserves, property — orders the appraisals the balance requires, and manages the lender’s review. Lendmire is the broker, never the lender.
What expense ratio applies to business statements?
The ratio comes from one of the program’s methods for the Broomfield business — a fixed ratio set by the business type and headcount, an accountant-attested ratio where the real margin is better, or a profit-and-loss path — and it is the single biggest lever on the qualifying income after the deposits themselves.
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.
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.
Can I finance a second home this way?
Yes, on the second-home ladder — starting a rung below a primary residence and never above it, with its own credit cells, and limited to a single unit. The same statements qualify the file.
Talk through a Broomfield high-balance file before the appraisal is ordered.
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 Broomfield — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Colorado, part of Lendmire’s super jumbo bank statement loan program.
Nearby markets in Colorado: Westminster · Thornton · Arvada · Boulder · Commerce City · Longmont · Denver · Lakewood
Other loan programs in Broomfield: DSCR Loans in Broomfield, CO · Super Jumbo DSCR Loans in Broomfield, CO · Short-Term Rental Loans in Broomfield, CO · Investment Property Cash-Out Refinance in Broomfield, CO · Hard Money Loans in Broomfield, CO · Bank Statement Loans in Broomfield, CO · Bank Statement HELOC in Broomfield, CO · Investment Property HELOC in Broomfield, CO