Denver Bank Statement Loans

Denver’s growth over the last decade came from tech, an outdoor-industry economy, and a steady flow of people leaving the coasts. What came with it is a very large independent workforce — contract engineers, startup founders, consultants, cannabis-industry operators, and trade business owners. Those borrowers earn well and write off aggressively, which means a tax return rarely tells the real story.

Bank statement loans qualify you on 12 or 24 months of deposits — no tax returns, no W-2s, no K-1s.

Check Denver Bank Statement Eligibility Talk to a Denver Loan Specialist — (833) 350-9185

Who Uses Bank Statement Loans in Denver

Tech contractors and independent engineers. Google, Amazon, Oracle, and Lockheed anchor a large contractor ecosystem along the Front Range. Many senior engineers work through their own LLC on 1099 contracts rather than as employees — strong deposits, complicated returns.

Cannabis-industry operators. This is Denver’s most distinctive lending problem. Dispensary owners, cultivators, and cannabis-adjacent service businesses are state-legal but routinely shut out of traditional bank underwriting. Bank statement programs qualify on documented deposits rather than industry classification, which is often the only workable path for these borrowers.

Startup founders and early employees. Denver and Boulder have produced a deep startup bench. Founder compensation is lumpy — a low salary, periodic distributions, and equity that does nothing for qualifying income on a 1040.

Construction and trade business owners. The Front Range building boom created a generation of electrical, HVAC, framing, and concrete business owners. Deposits are strong; taxable income after equipment and vehicle deductions is not.

Outdoor-industry and creative freelancers. Gear brands, guides, photographers, and marketing consultants cluster here because of the lifestyle. Most operate as sole proprietors or single-member LLCs.

Healthcare practice owners. Independent practices around Rose, Presbyterian/St. Luke’s, and the Anschutz campus follow the same pattern — real cash flow, reduced taxable income.

How Bank Statement Loans Work in Denver

12 or 24 months of personal or business bank statements
Lender calculates average monthly deposits to determine qualifying income
Business statements: typically a 50% expense factor (a CPA letter can reduce it)
Personal statements: typically 100% of deposits counted
No tax returns, W-2s, 1040s, or pay stubs required
Standard appraisal, title, and closing — typically 21–30 days

Full program details →

Denver Bank Statement Loan Requirements

Credit score: 640 minimum; 700+ for best pricing
Down payment: 10% minimum (primary); 20–25% investment
Self-employment: 2+ years in the same business
Loan amounts: Up to $3M+ (jumbo bank statement for central Denver)
Property types: SFR, condo, townhome, 2–4 unit
Occupancy: Primary, second home, or investment
LLC vesting available for investment properties

Denver Neighborhoods We Finance

Central Denver: LoDo, RiNo, Capitol Hill, Congress Park, Uptown, Five Points
Established premium: Washington Park, Hilltop, Cherry Creek, Country Club, Belcaro
Northwest: Highlands, LoHi, Sloan’s Lake, Berkeley, Sunnyside
East: Central Park (Stapleton), Park Hill, Lowry, Mayfair
Near suburbs: Arvada, Lakewood, Westminster, Wheat Ridge, Englewood, Littleton
Outer metro: Highlands Ranch, Castle Rock, Parker, Aurora, Thornton, Broomfield
Foothills and Boulder County: Golden, Evergreen, Conifer, Boulder, Louisville, Superior

Jumbo Bank Statement for Central Denver

Washington Park, Hilltop, Cherry Creek, Country Club, and much of the Highlands routinely clear conforming limits. Jumbo bank statement programs accommodate:

680+ FICO typical
15–20% down payment
12 or 24 months of bank statements
Loans up to $3M+
Primary, second home, or investment

For self-employed buyers in Denver’s core neighborhoods, jumbo bank statement is often the practical path — the price points demand jumbo and the income documentation doesn’t fit conventional underwriting.

Frequently Asked Questions

This is the single most common question we get from Denver borrowers. Most conventional lenders will not touch cannabis or cannabis-adjacent income, even though it is state-legal in Colorado. Bank statement programs evaluate documented deposits rather than industry classification, which opens a path that conventional underwriting closes. Lender appetite does vary, so call us before you assume the answer is no — we will tell you honestly where your file can go.

Yes. Contract engineers working through a single-member LLC or as sole proprietors are a core bank statement profile. We use your deposits over 12 or 24 months. What matters is 2+ years in the same line of work and consistent deposit activity — not whether you have employees or a storefront.

Lenders average deposits across whatever period you provide. If your recent year is materially stronger, 12 months of statements will usually produce better qualifying income than 24. We run both and use whichever qualifies you for more — there is no downside to letting us check.

Yes, or consider our DSCR loan program if the property carries itself on rent — that route uses no personal income documentation at all. For self-employed investors either program can work; the right one depends on the property’s cash flow and how your income is structured.

Get Started

Self-employed in Denver and ready to finance a home? Call (833) 350-9185 or check bank statement loan eligibility .

Ready to Get Started?

Talk to a licensed loan officer about your options — no obligation.

Check Denver Bank Statement Eligibility Call (833) 350-9185

Available Loan Programs

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Denver Bank Statement Loans | No Tax Return Mortgage