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
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
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
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.
Nothing on this page is a Loan Estimate, an approval, a quote, or a commitment to lend. Super jumbo bank statement leverage, credit, reserves, and documentation rules are read from the program matrix for a specific occupancy, loan size and credit tier and depend on the statements, the property, and full underwriting through select wholesale lenders licensed in sixteen states. Lendmire is a mortgage broker and is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
Super jumbo bank statement financing in San Bernardino, CA qualifies on the deposits, not the tax returns, and reads its terms from a ladder rather than a single cap; understanding the rungs is most of the work.
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
The program asks one question of a San Bernardino borrower’s statements: after the ownership share and the expense ratio, do the deposits carry the payment inside the cap? Everything else in the file supports that answer.
Leverage is a ladder by occupancy and size
The ladder is the program: as a San Bernardino, CA balance climbs from one band to the next, leverage steps down and the credit required for the top cell rises. Planning the equity around the band is the first structural decision.
Credit, reserves and overlays rise with the balance
In San Bernardino, CA, 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 San Bernardino, CA 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 Bernardino’s self-employed high earners buy — and how a lender reads the market.
These San Bernardino, 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. Value and income rarely climb at the same pace; the market figures below show how far San Bernardino’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 Bernardino submarkets, distinct appraisal stories.
A super jumbo bank statement file in San Bernardino reads differently by submarket — appraisal depth, association packages, acreage, and property type all shift from one to the next.
High-rise and full-service residences
In San Bernardino’s towers, the borrower’s deposits are one half of the file and the building’s financials are the other; a non-warrantable project carries its own cell. Census estimates place about 1.0% of San Bernardino’s owner-occupied homes at a value of one million dollars or more — roughly 317 homes.
New luxury construction
Where San Bernardino is adding new estates and towers, the value case rests on recent closed sales of similar product, and the lender applies the ladder only once those support the number. The median owner-occupied home value in San Bernardino runs near $422,300 on the latest Census estimate.
Prestige neighborhoods
The blue-chip streets of San Bernardino carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Roughly 7,631 San Bernardino workers — about 7.9% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Historic and estate districts
The historic estates of San Bernardino 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 Bernardino sits near $67,415, the middle of a distribution whose top end the program serves.
Executive suburbs and enclaves
The relocation market around San Bernardino keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. About 5.8% of San Bernardino’s households earn two hundred thousand dollars a year or more — roughly 3,741 households at the top of the income distribution.
Luxury townhomes and two-to-four-unit homes
Luxury townhome rows and owner-occupied two-to-four-unit homes in San Bernardino are underwritten on the same deposits, with a unit-count leverage cell and, on multi-unit property, the appraisal’s rent schedule read as context. San Bernardino counts a population near 223K within the Riverside-San Bernardino-Ontario, CA area.
Market context only. The leverage cell for a San Bernardino file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways San Bernardino 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 San Bernardino, CA solve a specific set of problems for self-employed buyers.
Qualify on assets instead of deposits
For San Bernardino 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.
Move with a departing residence
In San Bernardino, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Finance a second home on the same statements
Second-home financing in San Bernardino, CA 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
A San Bernardino 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.
Size a San Bernardino bank-statement file before requesting a quote.
Test a San Bernardino 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.
San Bernardino bank-statement qualifier
Starting assumptions reflect San Bernardino’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above San Bernardino’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 Bernardino 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.
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 California.
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 San Bernardino.
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 San Bernardino 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 San Bernardino high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the San Bernardino file clean and fundable.
Before requesting a quote on a San Bernardino, CA home, confirm the occupancy ladder, the expense ratio the statements will carry, and the credit tier the best cell requires.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: choose the account and the months that produce the cleanest income.
- Consider the asset paths: season the assets the program requires.
Occupancy and loan size decide the leverage
Leverage on a San Bernardino 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 San Bernardino file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
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
A San Bernardino, 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.
The review line and the bank-program hand-off
A San Bernardino request in the portfolio program’s upper bands is reviewed case by case before submission; a request in the largest bands is a bank portfolio file, with its own credit floor, its own leverage, and its own documentation window.
From San Bernardino bank statements to a funded high-balance loan.
Four steps take a San Bernardino, CA high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
Every San Bernardino 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 Bernardino, CA 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 Bernardino, CA 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 Bernardino, CA 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 San Bernardino, CA file, not discovered in underwriting.
The statements, read fairly
Deposits are only income once they are counted the program’s way; Lendmire counts them first, choosing the statement type, the months, and the expense method that read a San Bernardino business fairly.
The right wholesale program
A San Bernardino 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 Bernardino super jumbo bank statement loan FAQs
Program-level answers to the questions San Bernardino borrowers raise most about super jumbo bank statement loans. Every file is underwritten individually; nothing here is a commitment.
How is leverage decided on a super jumbo bank statement loan in San Bernardino?
Leverage is read, not negotiated. A San Bernardino 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 San Bernardino home?
Cash-out has its own rungs and its own proceeds cap. A San Bernardino file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
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.
How long do I need to have been self-employed?
The program reads two years of self-employment history as standard, with the one-year alternatives where the prior work or training supports it.
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.
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.
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.
What expense ratio applies to business statements?
The ratio is chosen from the program’s methods for the San Bernardino business, and it is the single biggest lever on the qualifying income after the deposits themselves.
What happens in the portfolio program’s largest bands and above them?
Two things: the portfolio program reviews its largest balances before submission, and the bank portfolio program continues the ladder to the ceiling on its own terms; the calculator names the program and the review for any balance entered.
Ready to size a San Bernardino balance? Start with the deposits.
Request a scenario review with the deposits and the occupancy; Lendmire answers with the band, the cell, and the structure that fits.
This guide covers San Bernardino — 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: Rialto · Merced · Rancho Cordova · Gardena · Super Jumbo DSCR Loans in San Bernardino · DSCR Loans in San Bernardino