Current super-jumbo bank-statement guidelines, updated from one source.
These figures are read from Lendmire’s centralized super-jumbo bank-statement standards source and update automatically when the program changes. Every state and city guide in this series reads the same source.
Program ceiling
This is the balance the program can reach on a strong file; the leverage cell at any size depends on occupancy, the credit tier, and the transaction.
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
Credit sets which cells of the matrix are open: this floor opens the lower bands, a higher floor applies on the bank portfolio program and above the overlay line.
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.
The figures on this page are program parameters, not offers: leverage is a matrix of occupancy, loan size and credit tier, cash-out has its own ladder and proceeds cap, two programs share the balance range, and every file is underwritten individually. No rate, payment, fee, or lender is stated or implied. Lendmire brokers these loans through its wholesale network in sixteen licensed states and is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
For Bryan, TX 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 Texas, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Texas.
Deposits qualify the loan, not tax returns
A high-value home in Bryan, TX 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
There is no single loan-to-value on this program. A Bryan file is placed by occupancy and loan size, the credit tier selects a cell inside the band, and that cell is the leverage. The ladder table on this page shows the best cell in each band for each occupancy.
Credit, reserves and overlays rise with the balance
In Bryan, 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 Bryan, 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 Bryan’s self-employed high earners buy — and how a lender reads the market.
Where Bryan, TX’s expensive homes are, how many households earn at the top of the distribution, and how many of them work for themselves — Census estimates give the backdrop for a high-balance review.
Read the figures as backdrop. A large share of high-value homes signals depth of comparables for the appraiser; a large share of top-bracket households signals the deposits that carry a high-balance payment.
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 Bryan submarkets, distinct appraisal stories.
Where a Bryan home sits changes what the appraisal has to prove and which cell the property type selects; the submarkets below are the map most high-balance files are read against.
New luxury construction
Newly built luxury homes in Bryan carry the value but not always the comparables; valuation support is settled first, leverage second. About 5.3% of Bryan’s households earn two hundred thousand dollars a year or more — roughly 1,790 households at the top of the income distribution.
Prestige neighborhoods
The blue-chip streets of Bryan 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 1.1% of Bryan’s owner-occupied homes at a value of one million dollars or more — roughly 185 homes.
Historic and estate districts
The historic estates of Bryan carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Median household income in Bryan sits near $59,289, the middle of a distribution whose top end the program serves.
High-rise and full-service residences
High-rise units in Bryan can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. Bryan counts a population near 88K within the College Station-Bryan, TX area.
Executive suburbs and enclaves
In the suburbs favored by Bryan’s founders and physicians, homes trade often enough that the appraiser has company, and the ladder applies cleanly. Roughly 3,487 Bryan workers — about 8.2% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and two-to-four-unit homes
In Bryan, 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. The median owner-occupied home value in Bryan runs near $227,800 on the latest Census estimate.
None of this is a valuation or an income calculation; it is the backdrop a Bryan file is read against before the statements and the appraisal decide the numbers.
Four ways Bryan entrepreneurs put super-jumbo bank-statement financing to work.
How Bryan entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Take cash out inside the cash-out ladder
A Bryan home with equity can return cash on a deposit-qualified refinance; the cash-out ladder steps leverage down by band, and proceeds are capped above a set leverage on the portfolio program.
Buy a primary residence above the standard ceiling
Acquire a Bryan 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.
Refinance out of a bank or bridge loan
When a high-value Bryan home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Qualify on assets instead of deposits
For Bryan 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.
Size a Bryan bank-statement file before requesting a quote.
This tool applies the ladder to a Bryan scenario: occupancy, loan size and credit tier select a leverage cell, the deposits become income by the program’s method, and the debt-to-income cap turns that income into a monthly housing budget. Nothing here is a rate or a payment.
Bryan bank-statement qualifier
A Bryan 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 Bryan’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 Bryan, 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.
For a Bryan, TX 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 Texas.
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 Bryan.
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 Bryan scenario review.
The documents a lender reads first on a super jumbo bank-statement file.
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.
A super jumbo bank statement file in Bryan, TX is won or lost on details a standard file rarely meets: the occupancy ladder, the statement method, the overlays above the line, the program hand-off, the property type.
Use these checks to keep the Bryan file clean and fundable.
Three checks keep a Bryan 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: choose the account and the months that produce the cleanest income.
- Count the reserves: add months for each additional financed property.
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
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.
Reserves scale with the loan size
Reserves are months of the full payment, stepping up by loan size, plus additional months for each financed property, more for a first-time investor, and more with a non-occupant co-borrower; on a Bryan high-balance file they are a large figure in dollars.
The review line and the bank-program hand-off
The two programs share one ladder in Bryan, 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.
Interest-only and forty-year structures
An interest-only period is available through select programs 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.
From Bryan bank statements to a funded high-balance loan.
The path from Bryan bank statements to a funded super jumbo loan runs through the ladder first and the paperwork second.
Place the balance
The first step is the ladder: where the Bryan, 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 Bryan file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
The appraisals set the value the ladder is applied to; the Bryan, TX file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Final underwriting reads the whole Bryan, TX 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 Bryan, TX file, not discovered in underwriting.
The statements, read fairly
The expense method changes the income; Lendmire chooses the one that reads a Bryan business most fairly and packages the statements to support it.
The right wholesale program
A Bryan 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.
Bryan super jumbo bank statement loan FAQs
The questions a Bryan, TX 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 Bryan?
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 Bryan 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.
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 if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Bryan borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
How long do I need to have been self-employed?
Two years is the standard; the alternatives exist for owners who changed structure or field recently and can document it.
What changes above the super-jumbo line?
A higher credit floor, a spotless recent housing history, longer seasoning after any credit event, U.S. citizenship or permanent residency, no non-occupant co-borrowers, no rural property, an acreage limit, and reserves that cash-out proceeds may not satisfy. The line sits higher for a primary residence than for a second home or investment property.
How much do I need in reserves?
The program counts reserves in months of the full payment — or the interest-only payment on that structure — and scales them with the balance; plan for the payment, not the price.
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.
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.
The statements have the income. Let us find the rung.
A first read of a Bryan 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 Bryan — 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: Eagle Pass · Tyler · Texarkana · Georgetown · Super Jumbo DSCR Loans in Bryan · DSCR Loans in Bryan