What is it?
DirectLenderMatch classifies Bank Statement Mortgage under the financing form “Mortgage.” Its typical use in this directory is: Self-employed borrowers qualifying from bank statements.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Personal/business bank deposits. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Self-employed borrowers qualifying from bank statements.
What backs or supports it?
Personal/business bank deposits.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct mortgage lender
Acra Lending
Acra states that it specializes in alternative-income mortgage products including bank statements.
Official evidence page →Last verified: 2026-08-23
Wholesale/correspondent non-QM mortgage lender
Champions Funding, LLC
Champions Funding currently offers Alt-Doc non-QM programs using bank statements as an income-documentation option.
Official evidence page →Last verified: 2026-08-23
Direct mortgage lender
Griffin Funding, Inc.
Griffin Funding's current loan list explicitly includes this Non-QM / investor product family.
Official evidence page →Last verified: 2026-08-23
Related financing structures
Profit-and-Loss (P&L)-Only Mortgage
Self-employed qualification without standard tax-return analysis
1099-Only Mortgage
Independent contractors using 1099 income
One-Year Tax Return Mortgage
Self-employed borrower using shorter tax history
Asset Depletion Mortgage
Asset-rich borrowers with limited conventional income
Asset Qualifier Mortgage
Qualify primarily from assets rather than income
Bank Portfolio Mortgage
Loan held on lender balance sheet outside agency execution