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 San Antonio, TX 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
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.
The mechanics in San Antonio, TX 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.
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 San Antonio, 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
For a San Antonio buyer, the practical question is which rung the balance lands on for their occupancy. Each rung has a leverage ceiling and a credit floor, and the calculator below reads the matrix for the exact size and tier entered.
Credit, reserves and overlays rise with the balance
Credit tier selects the leverage cell in San Antonio, TX, so a stronger score buys more leverage inside the same band. Reserves are counted in months of the full payment by loan size, longer for a first-time investor.
Two programs, one file
For San Antonio, 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.
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 San Antonio’s self-employed high earners buy — and how a lender reads the market.
Census housing and income data describe where San Antonio, 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.
Citywide figures provide general market context, not an appraisal or an income calculation. Value and income rarely climb at the same pace; the market figures below show how far San Antonio’s top of market has moved, and the calculator shows what that means for the debt-to-income math.
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 San Antonio submarkets, distinct appraisal stories.
San Antonio’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.
High-rise and full-service residences
High-rise units in San Antonio can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. San Antonio counts a population near 1.48M within the San Antonio-New Braunfels, TX area.
Prestige neighborhoods
The blue-chip streets of San Antonio carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Roughly 66,619 San Antonio workers — about 9.4% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Executive suburbs and enclaves
The relocation market around San Antonio keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. Census estimates place about 1.2% of San Antonio’s owner-occupied homes at a value of one million dollars or more — roughly 3,366 homes.
New luxury construction
Newly built luxury homes in San Antonio carry the value but not always the comparables; valuation support is settled first, leverage second. About 7.3% of San Antonio’s households earn two hundred thousand dollars a year or more — roughly 40,348 households at the top of the income distribution.
Historic and estate districts
The historic estates of San Antonio 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 San Antonio sits near $65,056, the middle of a distribution whose top end the program serves.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in San Antonio can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. The median owner-occupied home value in San Antonio runs near $235,700 on the latest Census estimate.
Read the submarkets as orientation. The file’s figures come from the statements, the appraisal, and the program matrix.
Four ways San Antonio entrepreneurs put super-jumbo bank-statement financing to work.
Super jumbo bank statement financing in San Antonio, TX is used for more than the first purchase; these are the structures San Antonio borrowers ask about most.
Finance a second home on the same statements
Second-home financing in San Antonio, 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.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in San Antonio, TX qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Move with a departing residence
In San Antonio, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Take cash out inside the cash-out ladder
A borrower consolidating equity from a San Antonio home uses the cash-out path where the ladder allows it, knowing the proceeds cap applies above the set leverage.
Size a San Antonio bank-statement file before requesting a quote.
The calculator does what the lender’s first pass does for a San Antonio 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.
San Antonio bank-statement qualifier
Starting assumptions reflect San Antonio’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above San Antonio’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.
Same San Antonio borrower, four files: deposits at scale, deposits within the standard ceiling, the property’s rent, or the full-documentation path a standard jumbo loan takes.
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.
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 San Antonio.
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 San Antonio 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 San Antonio high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the San Antonio file clean and fundable.
Three checks keep a San Antonio 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: know the expense ratio the business type carries.
- Read the overlays: confirm the credit floor and housing history above the line.
Occupancy and loan size decide the leverage
In San Antonio, 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
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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a San Antonio 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.
The review line and the bank-program hand-off
Above the portfolio program’s review line, a San Antonio file is reviewed case by case before submission; above the program’s top band, the balance moves to the bank portfolio program — twelve months of statements, a lower leverage cap, an adjustable structure, and features the portfolio program lacks.
Cash-out has its own ladder and a proceeds cap
Cash-out on a San Antonio 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.
From San Antonio bank statements to a funded high-balance loan.
The process for a San Antonio, TX super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every San Antonio 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 San Antonio, 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 San Antonio, 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 San Antonio, 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.
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
The occupancy ladder, the band, the cell, the overlays, and the program are known at the start of a San Antonio, TX file, not discovered in underwriting.
The statements, read fairly
The expense method changes the income; Lendmire chooses the one that reads a San Antonio business most fairly and packages the statements to support it.
The right wholesale program
A San Antonio 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.
San Antonio super jumbo bank statement loan FAQs
What San Antonio, 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 San Antonio?
Leverage is read, not negotiated. A San Antonio 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 San Antonio 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 San Antonio home?
Cash-out has its own rungs and its own proceeds cap. A San Antonio 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 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.
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 San Antonio, TX file moving.
How much do I need in reserves?
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; the calculator shows the months the loan size calls for.
Does the program finance investment property?
It does, within the same licensing footprint, on the investment ladder; Lendmire compares it with the rent-qualified path before choosing.
What happens in the portfolio program’s largest bands and above them?
Above the portfolio program’s review line, a file is reviewed case by case before submission; above its top band, the bank portfolio program takes the balance to the ceiling on twelve months of statements at its own leverage cap, with adjustable structures, interest-only at a lower cap, cross-collateralization, and a departing residence accommodated. The snapshot shows where both lines sit.
Should I use personal or business statements?
Either works. Personal accounts avoid the expense ratio but must show the business transfers; business accounts show the gross deposits and take the ratio the business type carries or an accountant’s letter supports.
Talk through a San Antonio high-balance file before the appraisal is ordered.
Share the property, the statements you would use, and the equity you plan to bring; a Lendmire loan officer places the scenario on the ladder and follows up.
This guide covers San Antonio — 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: Leander · Harlingen · Mission · Rowlett · Super Jumbo DSCR Loans in San Antonio · DSCR Loans in San Antonio