Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Dunwoody, GA figures below refresh when the program sheet is updated.
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
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 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.
This page describes a consumer mortgage program at the program level. The leverage cell for any file comes from the current matrix for its occupancy, loan size and credit tier; the statements, the appraisal, reserves, and full underwriting decide the actual terms, subject to lender program eligibility. Nothing here is a rate, a quote, a fee, or a commitment to lend, and Lendmire is 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 Dunwoody, GA, that ladder is what a buyer plans around.
Balance inside the standard ceiling? See Bank Statement Loans in Georgia, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Georgia.
Deposits qualify the loan, not tax returns
A high-value home in Dunwoody, GA 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 Dunwoody, GA 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
The program reads credit twice for a Dunwoody 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 Dunwoody, GA 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 Dunwoody’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where Dunwoody, GA’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.
Citywide figures provide general market context, not an appraisal or an income calculation. 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 Dunwoody submarkets, distinct appraisal stories.
A super jumbo bank statement file in Dunwoody reads differently by submarket — appraisal depth, association packages, acreage, and property type all shift from one to the next.
Executive suburbs and enclaves
The executive enclaves around Dunwoody pair strong values with a steady sales record, and a bank-statement file there is usually decided by the deposits rather than by the appraisal. Median household income in Dunwoody sits near $121,903, the middle of a distribution whose top end the program serves.
High-rise and full-service residences
High-rise units in Dunwoody 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 Dunwoody runs near $602,900 on the latest Census estimate.
Prestige neighborhoods
In Dunwoody’s established luxury districts, values are well supported, so the ladder applies with fewer structural adjustments than in thinner markets and the appraisal rarely lands below the contract. Dunwoody counts a population near 52K within the Atlanta-Sandy Springs-Roswell, GA area.
New luxury construction
Newly built luxury homes in Dunwoody carry the value but not always the comparables; valuation support is settled first, leverage second. About 31% of Dunwoody’s households earn two hundred thousand dollars a year or more — roughly 6,490 households at the top of the income distribution.
Historic and estate districts
In Dunwoody’s older estate districts, renovation quality and systems drive the valuation, and a lender reads the appraisal’s condition notes before applying the ladder. Roughly 2,777 Dunwoody workers — about 9.8% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Dunwoody can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Census estimates place about 5.8% of Dunwoody’s owner-occupied homes at a value of one million dollars or more — roughly 694 homes.
None of this is a valuation or an income calculation; it is the backdrop a Dunwoody file is read against before the statements and the appraisal decide the numbers.
Four ways Dunwoody entrepreneurs put super-jumbo bank-statement financing to work.
Four ways a high-value home in Dunwoody is financed on deposits, each with its own place on the ladder.
Move with a departing residence
A relocating Dunwoody, GA 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.
Refinance out of a bank or bridge loan
Move a Dunwoody home out of a bank portfolio loan, a bridge loan, or a maturing structure into a deposit-qualified loan at the leverage the ladder allows, without tax returns.
Take cash out inside the cash-out ladder
Cash-out in Dunwoody, GA has its own rungs: leverage by band and occupancy, a proceeds cap above a certain leverage, and the bank portfolio program’s own treatment at the largest balances.
Qualify on assets instead of deposits
For Dunwoody 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 Dunwoody bank-statement file before requesting a quote.
The calculator does what the lender’s first pass does for a Dunwoody file — computes the income from the deposits, finds the band and the cell for the occupancy and credit tier, applies the cap — using the current matrix. It never quotes a rate or a payment.
Dunwoody bank-statement qualifier
Seeded with Dunwoody’s market figures; every field is editable, and the leverage cell updates as occupancy, balance and credit tier change.
Illustrative starting assumptions: a $1,250,000 price set above Dunwoody’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 Dunwoody, GA 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.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Dunwoody homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in Georgia.
A super jumbo DSCR loan reads the property’s rent, not the owner’s statements; it is the path when the property is a rental and the rent carries the payment. For a leased rental, see super jumbo DSCR loans in Dunwoody.
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 Dunwoody scenario review.
A typical starting file for a high-value home.
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.
The larger the balance, the more the details matter. In Dunwoody, GA, these are the ones that most often change a file’s shape.
Use these checks to keep the Dunwoody file clean and fundable.
Settle the occupancy, the statement method, the band, and the property’s eligibility before the appraisal is ordered; a Dunwoody file that clears these reads cleanly.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: know the expense ratio the business type carries.
- Check the cash-out path: confirm the cash-out cell for the occupancy and band.
Occupancy and loan size decide the leverage
In Dunwoody, GA, 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 Dunwoody 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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Dunwoody 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.
Asset paths when deposits fall short
An asset-allowance path adds qualifying income from liquid assets divided over a set number of months, with a longer divisor when the assets stand alone; an assets-only path skips the ratio and the reserves, and retirement assets count at a reduced value.
From Dunwoody bank statements to a funded high-balance loan.
The process for a Dunwoody, GA super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Dunwoody file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Dunwoody, GA business most fairly and packages the statements to support it.
Appraise and package
Valuation is settled next: the appraisals the Dunwoody 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 Dunwoody 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
A Dunwoody 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
The expense method changes the income; Lendmire chooses the one that reads a Dunwoody business most fairly and packages the statements to support it.
The right wholesale program
A Dunwoody 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.
Dunwoody super jumbo bank statement loan FAQs
General answers for Dunwoody borrowers weighing a super jumbo bank statement loan; the statements, the appraisal, and underwriting decide every actual figure.
How is leverage decided on a super jumbo bank statement loan in Dunwoody?
Leverage is read, not negotiated. A Dunwoody 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 Dunwoody 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 Dunwoody home?
Yes, inside the cash-out ladder; the proceeds cap above the set leverage and the reserve rule at the largest balances shape how much cash a file returns.
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.
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.
Does the program finance investment property?
Yes, on the investment ladder, with title in an entity accommodated subject to lender program eligibility, a prepayment structure on investment occupancy, a short-term rental balance cap, and longer reserves for a first-time investor. A rental whose rent should carry the file may fit the super jumbo DSCR program better.
How long does a super jumbo bank statement loan take?
It depends on the balance: one appraisal or two, the portfolio program or the bank program, and how quickly the statements arrive. Preparation is what keeps a Dunwoody, GA file moving.
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 qualify on a profit-and-loss statement instead?
The profit-and-loss path is a narrower door than the statements; it suits a Dunwoody owner whose books are cleaner than their deposits.
What does Lendmire do on a Dunwoody 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.
Talk through a Dunwoody 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 Dunwoody — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Georgia, part of Lendmire’s super jumbo bank statement loan program.
Also in Georgia: Gainesville · Johns Creek · St. Simons · Valdosta · Super Jumbo DSCR Loans in Dunwoody · DSCR Loans in Dunwoody