{"id":12252,"date":"2026-06-19T18:04:57","date_gmt":"2026-06-19T18:04:57","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=12252"},"modified":"2026-06-19T18:52:53","modified_gmt":"2026-06-19T18:52:53","slug":"best-bank-statement-loan-lenders","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/best-bank-statement-loan-lenders\/","title":{"rendered":"Best Bank Statement Loan Lenders 2026: Griffin Funding vs Farm Bureau Bank vs CrossCountry Mortgage vs North American Savings Bank vs Angel Oak vs Newfi"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">What to Look for in a Bank Statement Loan Lender<\/span><\/h2>\n<p>Choosing the best bank statement loan lender for your situation means weighing several factors that directly affect your monthly payment, your approval odds, and how smoothly you get to closing. Here&#8217;s what to look for in a bank statement loan lender:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest rates and loan terms:<\/b>Compare both fixed and adjustable rate options across different terms. Many lenders offer 30-year fixed rates, but some provide interest-only payment periods and 40-year terms that lower payments during the early years.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maximum DTI requirements: <\/b><span style=\"font-weight: 400;\">Most lenders cap debt-to-income around 50%, though some flexible lenders will go to 55% for strong borrowers. Knowing these thresholds helps you target a lender that fits your income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan-to-value ratios: <\/b><span style=\"font-weight: 400;\">LTV ratios typically range from 70% to 80%, but the best mortgage lenders may offer higher ratios up to 90% for exceptional self-employed borrowers.<\/span><\/li>\n<li aria-level=\"1\"><strong>Months of statements required<\/strong>. Some lenders qualify you based on 12 months of bank statements; others require 24; and some accept business or personal accounts. Fewer months and personal-account flexibility make qualifying easier.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>States serviced:<\/b><span style=\"font-weight: 400;\"> Not all lenders operate nationwide, so verify coverage in your market before you apply.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer support and loan speed: <\/b>Self-employed buyers often need to move fast, which makes responsive service and quick closings a real factor in who you choose.<\/li>\n<li style=\"font-weight: 400; text-align: left;\" aria-level=\"1\"><b>Non-QM vs traditional underwriting: <\/b>Non-QM lenders use more flexible underwriting than traditional mortgage companies, which is what lets them count deposits as income instead of tax returns.<span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2>Licensing and Regulatory Status: A Buying Criterion Most Bank Statement Loan Borrowers Skip<\/h2>\n<p>Bank statement loans are consumer mortgages secured by your home, which means the lender&#8217;s regulatory standing actually matters to you.<\/p>\n<p>Griffin Funding is fully state-licensed as a non-bank mortgage lender in 46 states plus DC, supervised by state mortgage regulators and the Consumer Financial Protection Bureau (CFPB). We also hold VA-Approved Lender status and HUD FHA Non-Supervised Lender authority, meaning we are authorized by the U.S. Department of Veterans Affairs and the U.S. Department of Housing and Urban Development to originate, underwrite, and close federal mortgage programs directly.<\/p>\n<p>We hold these licenses and approvals because they are required of non-bank lenders for consumer-protection, fair-lending, and disclosure standards. Regulatory accountability is part of the bank statement loan product.<\/p>\n<p>Federally chartered banks are supervised by the OCC instead of obtaining state mortgage licenses, which exempts them from state-level mortgage oversight.<\/p>\n<p>Some borrowers consider that exemption a feature. We consider it a gap.<\/p>\n<h3 class=\"font-claude-response-body break-words whitespace-normal\"><strong>The Person Handling Your Loan: Registered vs. Licensed Loan Officers<\/strong><\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Not every loan officer carries the same credentials, and most borrowers never find out until something goes wrong. The SAFE Act sorts mortgage loan originators (MLOs) into two groups, and which group your loan officer falls into depends entirely on whether they work for a bank or a non-bank lender.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">A loan officer at a non-bank lender like Griffin Funding must be individually licensed in each state. To get that license and keep it, they must:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Pass the SAFE national mortgage exam with a qualifying score<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Complete 20 hours of pre-licensing education before they can originate a single loan<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Complete 8 hours of continuing education every year to stay licensed<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Pass an FBI fingerprint background check and a credit review<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Hold a unique NMLS number tied to an active state license in every state where they lend<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal\">A loan officer at a federally chartered bank does not have to do any of that. Under the SAFE Act, bank MLOs are registered rather than licensed. They submit fingerprints and receive an NMLS number, and that is essentially the requirement. No exam. No pre-licensing education. No mandatory annual continuing education. No individual license that a regulator can suspend or pull.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">The practical effect is a lower floor on competency. A registered bank loan officer can originate your mortgage without ever having been tested on mortgage law, federal disclosure rules, or how to structure a complex file, and without any requirement to keep their knowledge current as the rules change. That does not make every bank loan officer unqualified, and it does not make every licensed loan officer an expert. It does mean the two credentials are not equal, and the gap matters most on exactly the kind of loan you are shopping for.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Bank statement loans are among the most judgment-intensive mortgages a borrower can get. Your income is built from deposits rather than tax returns, which means someone has to correctly identify qualifying deposits, separate business accounts from personal, apply the right expense factor, and document all of it to underwriting standards. A loan officer who was tested on this work and is required to stay current every year is better positioned to get that file structured right the first time. On a bank statement loan, getting it right the first time is often the difference between an approval and a denial.<\/p>\n<p>This individual-level gap mirrors the institutional one. The table below shows how the six lenders compare at the company level, and the same pattern holds: the lenders supervised only at the federal bank level are also the ones whose loan officers are registered rather than licensed.<\/p>\n<p>Here is how the six bank statement loan lenders covered on this page compare on licensing and regulatory status:<\/p>\n<div style=\"overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 0 0 24px 0;\">\n<table style=\"width: 100%; border-collapse: collapse; font-family: 'Open Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif; font-size: 15px; line-height: 1.6; color: #333333; border: 1px solid #e0e0e0;\" role=\"table\">\n<thead>\n<tr style=\"background: #BE0C0C;\">\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 16%; white-space: nowrap;\" scope=\"col\">Lender<\/th>\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 17%;\" scope=\"col\">State Mortgage Licensing<\/th>\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 31%;\" scope=\"col\">Federal Approvals<\/th>\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 18%;\" scope=\"col\">Loan Officers (MLOs)<\/th>\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 18%;\" scope=\"col\">Primary Regulator<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Griffin Funding<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; white-space: nowrap;\">47 states + DC<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">VA-Approved \u00b7 HUD FHA Non-Supervised<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">State-Licensed<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">CFPB<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Farm Bureau Bank<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">None<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">VA-Approved \u00b7 HUD FHA Supervised<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Registered<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">OCC<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">CrossCountry Mortgage<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; white-space: nowrap;\">50 states + DC<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">VA-Approved \u00b7 HUD FHA Non-Supervised<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">State-Licensed<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">CFPB<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">North American Savings Bank<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">None<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">VA-Approved \u00b7 HUD FHA Supervised<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Registered<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">OCC<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Angel Oak<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; white-space: nowrap;\">46 states + DC<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Verify against HUD\/VA lender lists<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">State-Licensed<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">CFPB<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top;\" scope=\"row\">Newfi<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; white-space: nowrap;\">48 states + DC<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top;\">VA-Approved \u00b7 HUD FHA Non-Supervised<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top;\">State-Licensed<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top;\">CFPB<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size: 12px; color: #666; font-style: italic;\">Licensing and approvals current as of June 2026, per the <a href=\"https:\/\/www.nmlsconsumeraccess.org\/\">NMLS Consumer Access<\/a> database, lender websites, and HUD definitions. This status can change, so always verify directly through NMLS Consumer Access, the lender&#8217;s website, or HUD and the VA before applying. &#8220;Supervised&#8221; applies to depository institutions such as banks and federal savings banks; &#8220;Non-Supervised&#8221; applies to independent mortgage companies.<\/p>\n<h2><span style=\"font-weight: 400;\">Griffin Funding Overview<\/span><\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Griffin Funding is the best bank statement loan lender for self-employed business owners who want competitive rates, fast closings, and flexible underwriting without tax returns. As one of the most active bank statement lenders nationwide, Griffin qualifies borrowers using business bank statements with expense ratios as low as 10% (with CPA verification), maximizing buying power for entrepreneurs. One of Griffin\u2019s fastest bank statement loans in 2026 closed in just 6 days.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">The lender offers 30-year fixed, 40-year fixed, adjustable, and interest-only payment options with loan amounts up to $4,000,000. Our <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/\">non-QM loans<\/a> include specialized products like bank statement home equity and bank statement cash-out refinance. A minimum 620 credit score keeps these programs accessible to a broad range of business owners.<\/p>\n<p dir=\"auto\">Unlike many competitors, Griffin originates bank statement loans nationwide and holds full state licenses as a non-bank mortgage lender in 47 states plus DC. It is supervised by state mortgage regulators and the CFPB, plus carries VA-Approved Lender and HUD FHA Non-Supervised Lender authority. This combination of reach and regulatory backing makes Griffin a reliable partner for borrowers almost anywhere in the country.<\/p>\n<p><b><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12254 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-griffin.png\" alt=\"Why Get a Bank Statement Loan With Griffin Funding - flexible expense ratios, 47 states plus DC, 6-day closings\" width=\"1095\" height=\"776\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-griffin.png 1095w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-griffin-300x213.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-griffin-1024x726.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-griffin-768x544.png 768w\" sizes=\"auto, (max-width: 1095px) 100vw, 1095px\" \/><\/b><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><b><b>Fast approvals and fundings: <\/b><\/b>Most applications receive decisions within 24-48 hours; fundings as quick as 6 calendar days for complete files. Year-to-date in 2026, Griffin averaged 38 days, with timelines improving rapidly thanks to LIA\u2014its proprietary AI-powered non-QM underwriting agent and bank statement income calculator &#8211; no more PDFs.<\/li>\n<li><strong>Flexible guidelines<\/strong>: Underwriting considers the full business profile rather than rigid boxes.<\/li>\n<li><strong>Diverse terms<\/strong>: 30-year fixed, 40-year fixed, ARM, and interest-only options help optimize payments.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Limited availability<\/strong>: Not licensed for bank statement loans in Alaska, Missouri, and New York.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"><span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\"> streamlines the application process, while our extensive <\/span><a href=\"https:\/\/griffinfunding.com\/testimonials\/\"><span style=\"font-weight: 400;\">testimonials<\/span><\/a><span style=\"font-weight: 400;\"> demonstrate consistent customer satisfaction across different investor profiles.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Farm Bureau Bank <\/span><span style=\"font-weight: 400;\">Overview\u00a0<\/span><\/h2>\n<p dir=\"auto\">Farm Bureau Bank offers a strong bank statement loan program tailored for self-employed borrowers and 1099 contractors who want to qualify based on actual cash flow without tax returns. As a federal savings bank, it provides portfolio flexibility with competitive options for owner-occupied, second homes, and investment properties.<\/p>\n<p dir=\"auto\">Borrowers can use 12- or 24-months of personal or business bank statements (as little as 50% business ownership for business statements or 25% for personal). Default expense factor is 50%, with lower factors possible via CPA\/tax preparer verification (higher for certain industries like restaurants). P&amp;L statements and 1099 options are also available. Loan amounts reach up to $4 million with various term structures.<\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><strong>Flexible cash-flow qualification<\/strong>: Reviews real deposits and supports lower expense ratios with documentation, helping self-employed borrowers maximize qualifying income.<\/li>\n<li><strong>Broad property eligibility<\/strong>: Supports owner-occupied, second homes, and investment properties alongside strong government loan options (FHA\/VA as a Supervised Mortgagee).<\/li>\n<li><strong>Efficient for members<\/strong>: Digital tools and bank integration streamline the process for Farm Bureau members across participating states.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li><strong>Expense factor defaults<\/strong>: Starts at a more conservative 50% (vs. more aggressive lenders), requiring extra CPA support for the lowest ratios.<\/li>\n<li><strong>MLO licensing limitations<\/strong>: Individual Mortgage Loan Officers operate primarily under the bank\u2019s federal charter and NMLS registration rather than holding traditional state-specific mortgage originator licenses in every jurisdiction, which some borrowers may see as a difference in direct individual-level oversight compared to non-bank lenders.<\/li>\n<li><strong>Membership\/availability focus<\/strong>: Best for those in participating states; operates under federal charter with NMLS registration (ID 2214437) rather than broad state-by-state mortgage licensing.<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">CrossCounty Mortgage Overview<\/span><\/h2>\n<p dir=\"auto\">CrossCountry Mortgage provides accessible bank statement loans for self-employed borrowers and business owners who need to document income through deposits rather than traditional tax returns or W-2s. As a large national non-bank lender, it emphasizes speed and flexibility in its Non-QM programs.<\/p>\n<p dir=\"auto\">Its Signature Expanded Bank Statement loan reviews 12- or 24-months of personal or business bank statements to calculate qualifying income based on cash flow. Borrowers can reach up to 90% LTV in some cases, with DTI up to 50%. Loan amounts go into the millions with competitive terms for purchase, rate-and-term, and cash-out scenarios. FastTrack underwriting often enables quick decisions and closings (as fast as 10 days reported in some cases).<\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><strong>Fast processing<\/strong>: Digital tools and streamlined review deliver quick approvals, ideal for self-employed borrowers needing speed.<\/li>\n<li><strong>Higher LTV\/DTI flexibility<\/strong>: Supports borrowers with solid cash flow but less conventional documentation.<\/li>\n<li><strong>Nationwide reach<\/strong>: Licensed in 50 states + DC with CFPB oversight and VA\/FHA Non-Supervised approvals for added options.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li><strong>Credit and documentation thresholds<\/strong>: While accessible, minimum credit and statement quality requirements can still exclude some edge cases compared to more aggressive specialists.<\/li>\n<li><strong>Rate variability<\/strong>: Non-QM pricing (including bank statement) may be higher than prime conventional loans, though competitive within the space.<\/li>\n<\/ul>\n<p dir=\"auto\">CrossCountry\u2019s broad licensing (50 states + DC) and full Non-QM suite make it a reliable, scalable option for self-employed borrowers across most of the country.<\/p>\n<h2><span style=\"font-weight: 400;\">North American Savings Bank Overview\u00a0<\/span><\/h2>\n<p dir=\"auto\">North American Savings Bank (NASB) excels in bank statement loans for self-employed borrowers, 1099 contractors, and entrepreneurs who qualify via real cash flow from personal or business bank statements instead of tax returns or pay stubs. As a federally chartered savings bank with portfolio lending capabilities, it offers strong flexibility for non-traditional income.<\/p>\n<p dir=\"auto\">Programs typically review 12- or 24-months of statements to assess deposits and cash flow. NASB supports a range of Non-QM products alongside bank statement options, with nationwide availability through its bank charter. It combines this with FHA\/VA approvals (as a Supervised Mortgagee) for borrowers who may layer programs.<\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><strong>Portfolio flexibility<\/strong>: As a bank, NASB can accommodate unique self-employed scenarios with in-house underwriting and creative structuring.<\/li>\n<li><strong>Strong Non-QM focus<\/strong>: Dedicated bank statement support for entrepreneurs, plus complementary options like 1099 and DSCR for investors.<\/li>\n<li><strong>Nationwide service<\/strong>: Operates without heavy reliance on state-by-state mortgage licenses, backed by OCC regulation and explicit FHA approval.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li><strong>Underwriting depth<\/strong>: May request additional documentation for thorough review, which can extend timelines compared to fully automated lenders.<\/li>\n<li><strong>MLO licensing limitations<\/strong>: Individual Mortgage Loan Officers operate primarily under the bank\u2019s federal charter and NMLS registration rather than holding traditional state-specific mortgage originator licenses in every jurisdiction, which some borrowers may see as a difference in direct individual-level oversight compared to non-bank lenders.<\/li>\n<li><strong>Closing variability<\/strong>: Some borrowers report longer-than-expected closings depending on file complexity, though bank resources help mitigate this.<\/li>\n<\/ul>\n<p dir=\"auto\">NASB\u2019s combination of bank statement expertise, federal oversight (OCC, Supervised Mortgagee for FHA\/VA), and portfolio approach makes it appealing for self-employed borrowers seeking reliable, scalable financing.<\/p>\n<h2><span style=\"font-weight: 400;\">Angel Oak Overview<\/span><\/h2>\n<p dir=\"auto\">Angel Oak Mortgage Solutions is a leading Non-QM specialist with robust bank statement loan programs designed for self-employed borrowers, investors, and those with complex income who don\u2019t fit traditional guidelines. As a wholesale-focused lender, it emphasizes flexible documentation and strong tech tools.<\/p>\n<p dir=\"auto\">Bank statement loans typically require a minimum 640 credit score and review 12- or 24-months of statements (personal or business). Loans up to $4 million are available (minimum ~$150k), with LTVs up to 90% for certain scenarios. It supports purchase, cash-out refinance, rate-and-term, and delayed financing on owner-occupied, second homes, and investment properties. QuickQuote pricing engine speeds pre-qualification.<\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><strong>Non-QM expertise<\/strong>: Deep experience with bank statement and alternative documentation leads to creative solutions for self-employed and underserved borrowers.<\/li>\n<li><strong>Competitive LTV and amounts<\/strong>: High loan limits and strong LTV options help maximize borrowing power.<\/li>\n<li><strong>Tech efficiency<\/strong>: Tools like QuickQuote provide fast insights, backed by licensing in 46 states + DC.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li><strong>Wholesale model<\/strong>: Primarily works through brokers, which may add a layer for direct-to-consumer borrowers.<\/li>\n<li><strong>Limited government options<\/strong>: Focuses on Non-QM; no prominent FHA\/VA approvals identified, so best for pure alternative documentation needs.<\/li>\n<\/ul>\n<p dir=\"auto\">Angel Oak\u2019s specialization in bank statement and Non-QM lending, combined with broad state licensing (46 states + DC) and CFPB oversight, positions it as a go-to for self-employed borrowers seeking flexible, high-LTV solutions.<\/p>\n<h2><span style=\"font-weight: 400;\">Newfi Overview\u00a0<\/span><\/h2>\n<p dir=\"auto\">Newfi Lending delivers flexible bank statement loans for self-employed borrowers and business owners, leveraging technology like its Income IQ automated bank statement analysis tool to streamline income verification and underwriting.<\/p>\n<p dir=\"auto\">Programs accept 12- or 24-months of business or personal bank statements (along with 1099 or P&amp;L options), with credit scores starting around 640. Loan amounts range from $100,000 to $5 million, supporting purchase, refinance, and cash-out with LTVs up to 90% (purchase\/rate-term) or 80% (cash-out). It focuses on real deposit activity rather than taxable income for stronger qualifying power.<\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><strong>Tech-driven efficiency<\/strong>: Income IQ tool automates bank statement analysis for faster, more accurate reviews and quicker decisions.<\/li>\n<li><strong>High loan limits and flexibility<\/strong>: Up to $5M with multiple documentation options tailored to self-employed cash flow.<\/li>\n<li><strong>Strong regulatory backing<\/strong>: Licensed in 48 states + DC with explicit HUD FHA Non-Supervised (ID 0038900004) and VA approvals.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li dir=\"auto\"><strong>Process nuances<\/strong>: While online tools are powerful, final terms may adjust after full review or loan officer consultation.<\/li>\n<li dir=\"auto\"><strong>Wholesale-focused model:<\/strong> Newfi primarily operates as a wholesale lender through mortgage brokers, which can introduce intermediary (middleman) fees or additional costs\/layers compared to direct-to-consumer lenders.<\/li>\n<li><strong>Primary focus<\/strong>: Strong on self-employed\/Non-QM but may not suit every primary residence scenario as seamlessly as dedicated consumer-direct lenders.<\/li>\n<\/ul>\n<p dir=\"auto\">Newfi\u2019s blend of technology (Income IQ), high limits, and solid licensing makes it a competitive choice for self-employed borrowers prioritizing speed and documentation flexibility.<\/p>\n<h2><span style=\"font-weight: 400;\">Which Bank Statement Loan Lender Is Right for You?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12256 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-solutions.png\" alt=\"Griffin Funding\u2019s Specialized Bank Statement Loan Solutions\" width=\"945\" height=\"737\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-solutions.png 945w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-solutions-300x234.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2026\/06\/bsl-solutions-768x599.png 768w\" sizes=\"auto, (max-width: 945px) 100vw, 945px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best bank statement loan lender depends on your qualified deposits, expense ratio, credit score, property type, down payment, and assets. Use this table to match your situation to the right lender.<\/span><\/p>\n<div style=\"overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 0 0 24px 0;\">\n<table style=\"width: 100%; border-collapse: collapse; font-family: 'Open Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif; font-size: 15px; line-height: 1.6; color: #333333; border: 1px solid #e0e0e0;\" role=\"table\">\n<thead>\n<tr style=\"background: #BE0C0C;\">\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 26%;\" scope=\"col\">Self-Employed Borrower Situation<\/th>\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 20%;\" scope=\"col\">Best Bank Statement Loan Lender(s)<\/th>\n<th style=\"text-align: left; padding: 13px 14px; font-size: 14px; font-weight: bold; color: #ffffff; width: 54%;\" scope=\"col\">Why<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Speed-focused (quick close needed)<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Griffin Funding or CrossCountry Mortgage<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Griffin closed some bank statement loans in as few as 6 days in 2026 using its AI-driven LIA underwriting and income calculator; CrossCountry\u2019s FastTrack process often enables decisions in 24-48 hours and closings as fast as ~10 days.<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Southeast market<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Angel Oak<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Strong regional expertise and Non-QM focus in Southeast core markets; flexible bank statement programs with QuickQuote tech for fast pre-qualification.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Self-employed with a growing business<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">North American Savings Bank (NASB) or Newfi<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">NASB\u2019s portfolio lending as a bank allows creative structuring for growing self-employed borrowers; Newfi offers high loan limits (up to $5M) and Income IQ automation for efficient scaling.<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Borrowers who prioritize transparent, predictable pricing<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">CrossCountry Mortgage<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Clear upfront pricing and streamlined Non-QM bank statement review with fewer surprises; consistent underwriting across its 50-state footprint.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Complex borrower profile needing flexible underwriting<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Griffin Funding or Angel Oak<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Griffin considers the full business profile with aggressive expense ratios (as low as 10% with CPA) and 620 min FICO; Angel Oak excels in Non-QM flexibility for unique self-employed cash-flow situations.<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Rate-conscious (want lowest all-in cost)<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Griffin Funding or Farm Bureau Bank<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Griffin avoids certain surcharges and offers competitive Non-QM rates with flexible terms; Farm Bureau Bank (as an OCC-regulated FSB) provides stable bank pricing plus access to government programs where applicable.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">First-time self-employed buyers<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Griffin Funding or CrossCountry Mortgage<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Griffin\u2019s 620 min FICO, no prior investment experience required in many cases, and fast 24-48 hour pre-approvals; CrossCountry offers accessible bank statement qualification with broad support.<\/td>\n<\/tr>\n<tr style=\"background: #faf6f6;\">\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Investment Properties<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Angel Oak or Griffin Funding<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; border-bottom: 1px solid #ececec;\">Angel Oak supports flexible Non-QM bank statement programs for investment properties; Griffin accepts strong bank statement history or comparable rent schedules with flexible underwriting.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 14px; font-weight: bold; color: #1a1a1a; vertical-align: top;\" scope=\"row\">Scaling a rental portfolio (BRRRR or self-employed cash-out strategy)<\/th>\n<td style=\"padding: 12px 14px; vertical-align: top; font-weight: 600;\">Griffin Funding or NASB<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top;\">Griffin has no strict limits on financed properties and strong cash-out options underwritten on individual bank statement profiles; NASB\u2019s portfolio approach as a bank supports volume and creative equity extraction.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Your choice should align with your timeline, geographic focus, and financing complexity. Consider checking <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-rates\/\"><span style=\"font-weight: 400;\">Griffin Funding mortgage rates<\/span><\/a><span style=\"font-weight: 400;\"> and using our <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/bank-statement-loan-calculator\/\"><span style=\"font-weight: 400;\">Bank statement loan calculator<\/span><\/a><span style=\"font-weight: 400;\"> to compare options before making your final decision.<\/span><\/p>\n<\/div>\n<h2><span style=\"font-weight: 400;\">Why Choose Griffin Funding for Your Bank Statement Loan?<\/span><\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Griffin Funding pairs competitive rates with fast closings, and our coverage across 47 states plus DC means consistent service whether you&#8217;re buying close to home or relocating for work.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">We built our process around how self-employed business owners actually qualify. Each borrower works with a dedicated, individually licensed mortgage loan officer who knows how to read deposits, separate business from personal accounts, and structure a file that gets approved. That hands-on work, plus a streamlined pre-qualification, helps self-employed buyers move quickly when they&#8217;re competing for a home. And because Griffin runs multiple bank statement programs rather than one rigid set of guidelines, there&#8217;s usually a path that fits your business.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Ready to see your options? Get pre-qualified today to understand your purchasing power and put Griffin&#8217;s self-employed-focused bank statement programs to work.<\/p>\n<h2><span style=\"font-weight: 400;\">Explore Bank Statement Mortgage Solutions<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">The right bank statement lender combines competitive rates, dependable service, and a program that fits how your income actually works. For self-employed borrowers, that last part is what separates an approval from a denial, and it&#8217;s where Griffin&#8217;s underwriting is built to help.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Whether you&#8217;re buying your first home, moving up, or downsizing, working with a lender experienced in self-employed income gives you the qualification expertise and the speed that competitive markets demand.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What to Look for in a Bank Statement Loan Lender Choosing the best bank statement loan lender for your situation means weighing several factors that directly affect your monthly payment, your approval odds, and how smoothly you get to closing. Here&#8217;s what to look for in a bank statement loan lender: Interest rates and loan<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/best-bank-statement-loan-lenders\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":12255,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-12252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Bank Statement Loan Lenders 2026 | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Compare the best bank statement loan lenders in 2026. 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