In a chart, compare each lenders minimum expense ratio for a Bank Statement Loan

Here is a comparison of the minimum expense ratios for Bank Statement loans across the supported lenders:

Lender	Minimum Expense Ratio	Notes
FundLoans	No specific minimum expense ratio mentioned.	Bank Statement loans are available for 12 or 24 months of personal or business bank statements.
A&D Mortgage	0%	A 0% minimum expense ratio is available for some programs, but mixed statements may require a 50% expense ratio.
Angel Oak	15%	The Bank Statement program requires a minimum expense ratio of 15%.
Arc Home	1%	Minimum expense ratio is 1% for Bank Statement loans.
Champions Funding	10%	A 10% minimum expense ratio applies to Bank Statement loans.
Change Wholesale	10%	Alt Doc Expanded and Advantage programs use a 10% baseline expense factor for Bank Statement loans.
Deephaven	No specific minimum expense ratio mentioned.	Bank Statement loans are available for 12 or 24 months of personal or business bank statements.
NQM Funding	No specific minimum expense ratio mentioned.	Bank Statement loans are available for 12 or 24 months of personal or business bank statements.
Loan Stream	No specific minimum expense ratio mentioned.	Bank Statement loans are available for 12 or 24 months of personal or business bank statements.
American Heritage Lending	10%	A 10% minimum expense ratio is required, based on a CPA/accountant-prepared profit and loss statement or an expense factor provided.

Key Takeaways:

• The lowest minimum expense ratio is offered by A&D Mortgage at 0%.
• Most lenders, such as Champions Funding, Change Wholesale, and American Heritage Lending, require a 10% minimum expense ratio.
• Angel Oak has a slightly higher minimum expense ratio of 15%.
• Some lenders, like FundLoans, Deephaven, and NQM Funding, do not specify a minimum expense ratio for Bank Statement loans.

Let me know if you'd like more details about any specific lender or program!