Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Texas 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
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 |
Current super-jumbo bank-statement snapshot · updated September 6, 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.
Super jumbo bank statement loans are non-QM consumer mortgage programs arranged through select wholesale lenders, licensed in sixteen states. Leverage, credit floors, reserves, statement methods, and eligibility are read from the current program matrix for the occupancy, loan size and credit tier and are subject to lender program eligibility and full underwriting. Nothing on this page states or implies a rate, a payment, a fee, or a lender; Lendmire is a mortgage broker and 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 Texas, that ladder is what a buyer plans around.
Balance inside the standard ceiling? See Bank Statement Loans in Texas, the standard program, or return to the super jumbo bank statement loan program overview.
Deposits qualify the loan, not tax returns
The income that matters is what Texas business owners actually deposit — personal statements with business transfers at full value, business statements after an expense ratio set by the business type or by an accountant’s letter.
Leverage is a ladder by occupancy and size
For a Texas 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
The program reads credit twice for a Texas 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 Texas 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.
This is the whole test, applied at the leverage the ladder allows for the occupancy and balance. The tool below reads the matrix for your inputs; underwriting decides the real numbers.
Where Texas’s self-employed high earners buy — and how a lender reads the market.
Texas’s home values, top-bracket household incomes, and share of self-employed workers frame the market a super jumbo bank statement file is underwritten in; the figures here are statewide context, not underwriting inputs.
Statewide figures provide general market context, not an appraisal or an income calculation. 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.
Where Texas’s high-value housing runs deepest — market by market.
Lendmire tracks these Texas markets for super jumbo bank statement financing; each carries a city guide with its own Census figures, submarkets, and qualifier.
Wimberley
Wimberley holds about 22% of its owner-occupied homes at one million dollars or more (207 homes): an executive suburban luxury market with enough high-value stock for the appraisal to find its footing. Census context: about 21% of households earning two hundred thousand dollars or more, median value near $550,800, population near 2.9K.
Port Aransas
Roughly 202 homes in Port Aransas, about 19% of the owner-occupied stock, are valued at one million dollars or more — a coastal luxury market where high-balance files are common enough to read cleanly. Census context: about 17% of households earning two hundred thousand dollars or more, median value near $588,700, population near 3.3K.
Austin
Austin holds about 14% of its owner-occupied homes at one million dollars or more (28,214 homes): a metropolitan luxury market with enough high-value stock for the appraisal to find its footing. Census context: about 19% of households earning two hundred thousand dollars or more, median value near $555,300, population near 980K.
Frisco
Frisco holds about 13% of its owner-occupied homes at one million dollars or more (6,781 homes): a metropolitan luxury market with enough high-value stock for the appraisal to find its footing. Census context: about 36% of households earning two hundred thousand dollars or more, median value near $642,100, population near 219K.
The Woodlands
The Woodlands holds about 10% of its owner-occupied homes at one million dollars or more (3,345 homes): a metropolitan luxury market with enough high-value stock for the appraisal to find its footing. Census context: about 36% of households earning two hundred thousand dollars or more, median value near $511,700, population near 121K.
Fulshear
High-value housing is a substantial slice of Fulshear — about 9.8% of owner-occupied homes, roughly 880 — so a super jumbo bank-statement file in this executive suburban luxury market is underwritten against real comparables rather than a handful of outliers. Census context: about 46% of households earning two hundred thousand dollars or more, median value near $572,700, population near 35K.
These are Census patterns, not program terms. The leverage cell for any Texas file comes from the matrix for its occupancy, loan size and credit tier.
Four ways Texas entrepreneurs put super-jumbo bank-statement financing to work.
How Texas entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Move with a departing residence
A relocating Texas 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.
Take cash out inside the cash-out ladder
A Texas 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.
Finance a second home on the same statements
A Texas 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.
Buy a primary residence above the standard ceiling
For a Texas purchase that a standard bank-statement program cannot carry, the super jumbo path applies the same deposit math at a larger balance, with the primary-residence ladder setting the leverage.
Size a Texas bank-statement file before requesting a quote.
This tool applies the ladder to a Texas scenario: occupancy, loan size and credit tier select a leverage cell, the deposits become income by the program’s method, and the debt-to-income cap turns that income into a monthly housing budget. Nothing here is a rate or a payment.
Texas bank-statement qualifier
A Texas 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 Texas’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 Texas 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.
Qualifies an investment property on its rent rather than the owner on deposits — business-purpose financing with its own ladder, for a leased rental rather than a home the borrower will live in. For a leased rental, see super jumbo DSCR loans in Texas.
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 Texas 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 Texas high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the Texas file clean and fundable.
Settle the occupancy, the statement method, the band, and the property’s eligibility before the appraisal is ordered; a Texas file that clears these reads cleanly.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: know the expense ratio the business type carries.
- Confirm the property: confirm a second home is a single unit.
Occupancy and loan size decide the leverage
Occupancy chooses the ladder and the balance chooses the band; together they set the leverage ceiling and the credit floor for the best cell. A primary residence starts highest, a second home and an investment property a rung lower, and every larger band steps down — which is why the equity is planned before the price.
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.
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.
The review line and the bank-program hand-off
Above the portfolio program’s review line, a Texas 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.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Texas 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.
From Texas bank statements to a funded high-balance loan.
The process for a Texas super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Texas 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 Texas 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 Texas 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 Texas file closes on the terms the ladder allows.
A brokerage built around self-employed borrowers.
Placing a Texas high-balance file well means knowing which program’s ladder reads it best, which expense method reads the business most fairly, and where the overlay line sits — before the appraisal is ordered.
Ladders, not guesses
Lendmire reads the matrix for a Texas 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 Texas business most fairly and packages the statements to support it.
The right wholesale program
A Texas 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.
Texas super jumbo bank statement loan FAQs
General answers for Texas 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 Texas?
Leverage is read, not negotiated. A Texas 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 Texas 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 Texas 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?
A fixed ratio by business type and employee count — lowest for a service business with no employees, higher with employees, highest for a product or inventory business — or the ratio an accountant attests to, or a profit-and-loss statement the deposits support, or the deposits-less-withdrawals method.
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.
Should I use personal or business statements?
Personal statements are read at full value when the deposits are transfers from the business; business statements carry an expense ratio. Which produces the cleaner income depends on how the business pays its owner, and Lendmire runs both before choosing.
What happens in the portfolio program’s largest bands and above them?
A Texas 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.
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.
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 Texas owner whose books are cleaner than their deposits.
What changes above the super-jumbo line?
A higher credit floor, a spotless recent housing history, longer seasoning after any credit event, U.S. citizenship or permanent residency, no non-occupant co-borrowers, no rural property, an acreage limit, and reserves that cash-out proceeds may not satisfy. The line sits higher for a primary residence than for a second home or investment property.
The deposits qualify the loan. The ladder sets the leverage.
A first read of a Texas high-balance scenario takes a few minutes and commits you to nothing; the ladder, the statement method, and the overlays are explained before anything is ordered.
This guide covers Texas — for the program overview, the ladder, and the qualifier, see Lendmire’s super jumbo bank statement loans hub.
Also in this state: Bank Statement Loans in Texas · Super Jumbo DSCR Loans in Texas · DSCR Loans in Texas