Bank statement loan min borrower ownership of business

The minimum borrower ownership percentage required for a bank statement loan varies by lender and program, typically ranging from 25% to 100%.

Here’s a summary of the requirements by lender:

Lender	Minimum Ownership	Details
FundLoans	20%-50%	20% for personal bank statements; 50% for business/commingled bank statements.
AmWest	100%	Borrower must be the sole owner of the business.
A&D Mortgage	25%	Ownership verification required; applies to both personal and business bank statements.
Angel Oak	25%-50%	25% for personal bank statements; 50% for business bank statements.
Arc Home	25%	Applies to both personal and business bank statements.
Champions Funding	25%	Ownership must be verified; additional restrictions may apply for <50% ownership.
Change Wholesale	50%	Applies to all bank statement programs.
Deephaven	25%	Ownership verification required; income calculated based on ownership percentage.
NQM Funding	25%-50%	25% for most programs; 50% for specific programs like Flex Supreme.
Loan Stream	25%	Ownership must be verified; income calculated based on ownership percentage.

If you have a specific lender or program in mind, let me know, and I can provide more detailed information!

Review the updated loan scenario and answer again.

The minimum borrower ownership percentage required for a bank statement loan varies by lender, typically ranging from 20% to 100%.

Here’s a detailed breakdown by lender:

Lender	Minimum Ownership	Details
FundLoans	20%-50%	20% for personal bank statements; 50% for commingled or business bank statements.
AmWest	51%-100%	100% for personal bank statements; at least 51% for business bank statements.
A&D Mortgage	25%	Applies to business bank statements; ownership verification required.
Angel Oak	25%-50%	25% for personal bank statements; 50% for business bank statements.
Arc Home	25%	Applies to business bank statements; ownership verification required.
Champions Funding	25%	Applies to business bank statements; additional documentation may be required for shared ownership.
Change Wholesale	50%	Applies to all bank statement programs.
Deephaven	25%	Applies to business bank statements; documentation required to confirm ownership.
NQM Funding	25%	Applies to all bank statement programs; ownership must be documented.
Loan Stream	25%	Applies to business bank statements; income calculated based on ownership percentage.

If you have a specific lender or program in mind, let me know, and I can provide more detailed information!