How many months of bank statements are required for a bank statement loan?

Most lenders require between 12 and 24 months of bank statements to evaluate income consistency and cash flow. The exact timeframe depends on the lender and borrower profile.

Do bank statement loans require tax returns?

In most cases, bank statement loans do not require tax returns. Lenders typically qualify borrowers using cash flow reflected in bank statements, though tax returns may be requested in limited circumstances.

Can large or irregular deposits affect loan approval?

Yes. Large or irregular deposits may require written explanations or supporting documentation to verify that the income is legitimate and recurring.

Are business bank statements required for self-employed borrowers?

If income is generated through a business, lenders usually require business bank statements in addition to personal statements. These documents help lenders understand revenue flow and operating expenses.

Does credit score still matter for a bank statement loan?

Yes. Although income is documented differently, lenders still review credit history to assess payment behavior, outstanding liabilities, and overall risk.

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Documents Required for a Bank Statement Loan

December 30, 2025December 28, 2025 by Steve

Categories Guides & Tutorials

6 Documents Lenders May Review When Qualifying For a Mortgage

How Bank Statement Loan Income Is Calculated