Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Grapevine, TX figures below refresh when the program sheet is updated.
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
The headline leverage belongs to a primary residence at the smallest balances the program accepts; the ladder table below shows what each occupancy and band allows.
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 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.
For Grapevine, 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
In Grapevine, TX, 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 are the whole 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 above and the table below show the doors open today.
Credit, reserves and overlays rise with the balance
Above the overlay line, a Grapevine file carries a stricter credit floor, a clean recent housing history, longer seasoning, U.S. citizenship or permanent residency, no non-occupant co-borrowers, and no rural property. Reserves scale with the balance, and cash-out proceeds may not satisfy them.
Two programs, one file
For Grapevine, 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.
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 Grapevine’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where Grapevine, TX’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.
Market context only. The higher the value, the larger the payment the deposits must carry inside the cap; that is the pattern in nearly every luxury market, and it is why super jumbo bank statement files carry more equity, longer statements, or an asset-based path.
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 Grapevine submarkets, distinct appraisal stories.
Grapevine’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 Grapevine carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Roughly 2,854 Grapevine 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
In Grapevine, 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. Median household income in Grapevine sits near $111,376, the middle of a distribution whose top end the program serves.
Historic and estate districts
In Grapevine’s older estate districts, renovation quality and systems drive the valuation, and a lender reads the appraisal’s condition notes before applying the ladder. Census estimates place about 3.1% of Grapevine’s owner-occupied homes at a value of one million dollars or more — roughly 353 homes.
New luxury construction
New luxury construction in Grapevine appraises on comparable sales that may be scarce for the product, so the appraisal review is longer and a second appraisal is routine at larger balances. Grapevine counts a population near 51K within the Dallas-Fort Worth-Arlington, TX area.
High-rise and full-service residences
High-rise units in Grapevine 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 Grapevine runs near $493,100 on the latest Census estimate.
Executive suburbs and enclaves
The relocation market around Grapevine keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. About 23% of Grapevine’s households earn two hundred thousand dollars a year or more — roughly 4,897 households at the top of the income distribution.
Submarket descriptions are general market context; the statements, the appraisal, and full underwriting decide every figure in a file.
Four ways Grapevine entrepreneurs put super-jumbo bank-statement financing to work.
From a primary residence to a second home to a departing-residence move, super jumbo bank statement loans in Grapevine, TX solve a specific set of problems for self-employed buyers.
Move with a departing residence
Buy the next Grapevine home before the current one sells: the bank portfolio program accommodates a departing residence and cross-collateralization, and the deposits qualify the new balance.
Finance a second home on the same statements
Second-home financing in Grapevine, TX reads the same statements and the same cap; the ladder starts a rung lower than a primary residence and never rises above it, band by band.
Take cash out inside the cash-out ladder
Cash-out in Grapevine, TX 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.
Refinance out of a bank or bridge loan
A rate-and-term refinance in Grapevine, TX 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 a Grapevine bank-statement file before requesting a quote.
Test a Grapevine balance against the ladder: occupancy, loan size and credit tier select the leverage, the deposits set the income, and the cap sets the budget. Overlays above the super-jumbo line, the bank portfolio hand-off and the cash-out proceeds cap are applied automatically.
Grapevine bank-statement qualifier
A Grapevine 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 Grapevine’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 a Grapevine 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.
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.
Qualifies on the same deposit math but stops at the standard program ceiling; the lower bands of the super jumbo ladder overlap it, with the standard program often the cleaner fit there. 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 Grapevine.
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 Grapevine 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.
These are the points a lender reads on a Grapevine high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the Grapevine file clean and fundable.
Before requesting a quote on a Grapevine, TX 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: know the expense ratio the business type carries.
- Consider the asset paths: know the divisor for the asset-allowance path.
Occupancy and loan size decide the leverage
In Grapevine, TX, 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
Transfers between the borrower’s own accounts, unusual deposits, and cash not customary to the business are excluded, and returned items are limited inside the window; a Grapevine, TX file with clean, consecutive statements and a defensible expense ratio reads cleanly.
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.
Cash-out has its own ladder and a proceeds cap
Cash-out on a Grapevine 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.
Property type selects its own cell
Warrantable condominiums, non-warrantable condominiums, condotels, two-to-four-unit homes and rural property each carry their own leverage cell on the matrix; acreage is capped, rural property is excluded above a set balance, and a second home is limited to a single unit.
From Grapevine bank statements to a funded high-balance loan.
Four steps take a Grapevine, TX 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 Grapevine, 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
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Grapevine, TX business most fairly and packages the statements to support it.
Appraise and package
The appraisals set the value the ladder is applied to; the Grapevine, 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 Grapevine, 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.
Lendmire built its practice on borrowers whose tax returns understate their income, which is why the statement methods, the ladders, and the overlays are familiar ground rather than surprises.
Ladders, not guesses
Lendmire reads the matrix for a Grapevine 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
The expense method changes the income; Lendmire chooses the one that reads a Grapevine business most fairly and packages the statements to support it.
The right wholesale program
Not every wholesale lender carries a self-employed borrower past the standard ceiling, and the ones that do differ on leverage, overlays, and documentation; Lendmire knows which is which.
Trusted by homeowners & investors alike.
Grapevine super jumbo bank statement loan FAQs
What Grapevine, TX entrepreneurs want to know about deposit-qualified financing above the standard ceiling — answered at the program level, not the file level.
How is leverage decided on a super jumbo bank statement loan in Grapevine?
Leverage is read, not negotiated. A Grapevine 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?
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 Grapevine home?
Cash-out has its own rungs and its own proceeds cap. A Grapevine file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
What credit score does a super jumbo bank statement loan require?
It depends on the balance, the occupancy and the leverage requested. The floor in the snapshot applies at the bottom of the ladder; larger balances and top cells require stronger credit, and a single recent housing late reduces leverage.
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 Grapevine, TX file moving.
What is the rate on a super jumbo bank statement loan?
A scenario review produces the terms; the calculator here sizes income and leverage only, by design.
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.
What if my deposits fall short but my assets are strong?
Strong liquidity opens the asset-allowance path or the assets-only path, subject to lender program eligibility; Lendmire runs both against the deposits before choosing.
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 happens in the portfolio program’s largest bands and above them?
A Grapevine balance in the portfolio program’s upper bands is read case by case before it is submitted; a balance above the program’s top band is a bank portfolio file, with its own credit floor, its own leverage, its own documentation window, and features the portfolio program lacks.
Place your Grapevine scenario on the ladder today.
No credit pull, no commitment: an initial review places your Grapevine balance on the ladder and tells you what the file will need.
This guide covers Grapevine — 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: Little Elm · Baytown · Odessa · Dallas · Super Jumbo DSCR Loans in Grapevine · DSCR Loans in Grapevine