Current super-jumbo bank-statement guidelines, updated from one source.
Every super jumbo bank statement page in this series shows the same live program figures, read from one guideline source rather than typed into each page.
Program ceiling
The ceiling belongs to the bank portfolio program, which carries twelve-month-statement files above the portfolio program’s top band; the ladder table shows where each program takes over.
Top primary-residence leverage
Top leverage applies on a primary residence in the first band of the ladder; each larger band steps leverage down, second homes and investment property start lower, and cash-out has its own ladder.
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.
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.
Deposit-qualified financing at scale: that is the whole idea of a super jumbo bank statement loan in Madera, CA. The statements carry the file; the ladder sets the leverage; the balance decides which program.
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 super jumbo bank statement loan in Madera, CA is underwritten on twelve or twenty-four months of statements: eligible deposits divided by the months, after the ownership share and any expense ratio. Tax returns are not part of the qualification.
Leverage is a ladder by occupancy and size
There is no single loan-to-value on this program. A Madera 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
The program reads credit twice for a Madera 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
Above the portfolio program’s review line, a Madera request is read case by case before submission; above its top band, the bank portfolio program continues the ladder to the ceiling on its own terms. The snapshot shows where both lines sit, and the calculator names the program and the review for any balance entered.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show; the calculator computes the income the program’s way and reads the leverage cell for the balance.
Where Madera’s self-employed high earners buy — and how a lender reads the market.
These Madera, CA 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.
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 Madera submarkets, distinct appraisal stories.
Across Madera’s estate neighborhoods, golf communities, and new luxury construction, the same program produces different structures because values, comparables, and property types differ block by block.
New luxury construction
Where Madera is adding new estate subdivisions, the value case rests on closed sales of similar product; the lender applies the ladder only once those support the number. Median household income in Madera sits near $63,933, the middle of a distribution whose top end the program serves.
Estate neighborhoods
In Madera’s established estate streets, the appraiser has company and the ladder applies with few structural adjustments. About 4.9% of Madera’s households earn two hundred thousand dollars a year or more — roughly 858 households at the top of the income distribution.
Executive relocation homes
Executives and founders moving into Madera often buy before they sell; the file reads the departing residence, the deposits, and the reserves together. Census estimates place about 1.8% of Madera’s owner-occupied homes at a value of one million dollars or more — roughly 174 homes.
Luxury townhomes and condominiums
In Madera’s luxury attached product, the association package carries underwriting weight — warrantability, reserves, litigation — and a non-warrantable project has its own cell. Madera counts a population near 68K.
Acreage and equestrian property
Acreage and equestrian property around Madera can trigger the program’s acreage cap and a rural designation, both of which change leverage before the deposits are reviewed. The median owner-occupied home value in Madera runs near $359,900 on the latest Census estimate.
Golf and club communities
Behind the club gates in Madera, the file has to show that the dues fit inside the cap and the community’s documents pass review. Roughly 1,822 Madera workers — about 7.0% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Market context only. The leverage cell for a Madera file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Madera entrepreneurs put super-jumbo bank-statement financing to work.
Super jumbo bank statement financing in Madera, CA is used for more than the first purchase; these are the structures Madera borrowers ask about most.
Refinance out of a bank or bridge loan
When a high-value Madera home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Finance a second home on the same statements
A Madera 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.
Qualify on assets instead of deposits
For Madera 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.
Take cash out inside the cash-out ladder
Cash-out in Madera, CA 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.
Size a Madera bank-statement file before requesting a quote.
Test a Madera 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.
Madera bank-statement qualifier
A Madera 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 Madera’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 Madera 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.
For a Madera, CA 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 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 Madera.
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 Madera 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 Madera high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Madera file clean and fundable.
Before requesting a quote on a Madera, CA 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: keep the statements consecutive, recent and free of unusual deposits.
- Check the cash-out path: expect a proceeds cap above the set leverage.
Occupancy and loan size decide the leverage
Leverage on a Madera 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 Madera file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Cash-out has its own ladder and a proceeds cap
A Madera, CA borrower planning to pull equity works inside the cash-out ladder: leverage by band, a proceeds cap above a certain leverage, and the state’s own home-equity rules where they apply.
Property type selects its own cell
The property itself can move a Madera, CA file: a non-warrantable building, a condotel, a large parcel, or a rural designation each changes the cell before the deposits are reviewed.
Reserves scale with the loan size
On a Madera, CA file, reserves follow the balance and the portfolio: the larger the loan and the more properties financed, the more liquid assets must be verified after closing.
From Madera bank statements to a funded high-balance loan.
The process for a Madera, CA super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Madera 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 Madera 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 Madera 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 Madera file closes on the terms the ladder allows.
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
A Madera 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
Personal or business statements, twelve or twenty-four months, a fixed ratio or an accountant’s letter — the choice is made for the Madera, CA file before the lender sees it.
The right wholesale program
A Madera 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.
Madera super jumbo bank statement loan FAQs
The questions a Madera, 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 Madera?
Leverage is read, not negotiated. A Madera 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 Madera 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 Madera home?
Cash-out has its own rungs and its own proceeds cap. A Madera file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
How long do I need to have been self-employed?
Two years, or one year with two years of prior work in the same field, or one year plus a year of formal training. Wage or fixed income can be combined with the statement income.
Does the program finance investment property?
Investment property qualifies on the deposits like any other occupancy, on its own ladder and with its own rules; where the property’s rent is the stronger case, the DSCR path is the alternative.
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 Madera, CA file moving.
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?
Two paths: an asset allowance that adds qualifying income from liquid assets divided over a set number of months — a shorter divisor when it supplements statement income, a longer one when it stands alone or the balance is above the line — at its own leverage cap and seasoning; or an assets-only qualification on liquidity alone, with no ratio calculated and no reserves required.
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.
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.
Place your Madera scenario on the ladder today.
No credit pull, no commitment: an initial review places your Madera balance on the ladder and tells you what the file will need.
This guide covers Madera — 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: Lancaster · National City · West Covina · Redding · Super Jumbo DSCR Loans in Madera · DSCR Loans in Madera