Bank statement loan leads
Business owners and 1099 earners who want to qualify on deposits instead of tax returns.
Bank statement loan leads are the easiest non-QM conversation to start, because the borrower already knows the problem: the return says one thing and the bank account says another. We run campaigns that speak to that gap and send you the people who raise their hand, one loan officer at a time.
- Business type and time self-employed captured
- Personal or business account noted
- Exclusive to you and never resold
Watch it in 44 seconds
A 44-second explainer from the Amplify Leads team: bank statement loans: the deposits tell the story.
What bank statement leads look like when they reach you
Who
Owners, contractors, rideshare and delivery drivers, freelancers and commission earners, plus their state and phone.
What they have
How long they have worked for themselves, whether deposits run through a personal or business account, and a self-reported credit range.
What they want
To buy or refinance a home when a standard income review would shrink what they really earn.
Programs differ a lot between wholesale lenders. Know which statement periods and expense factors you can place before you ask for volume.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: non-QM leads, ITIN leads, and purchase leads. Or see mortgage leads by state.
Who takes a bank statement loan, and why not a standard mortgage?
The typical borrower runs a business or works contract jobs. Write-offs cut taxable income, so a conventional underwriter sees a fraction of the cash that actually moves through the account. Think a landscaping owner, a salon owner, a long-haul owner-operator, a real estate agent paid on commission, or a creator with a few platforms paying out. These people are not bad credit. They are often well off on paper that nobody reads. They also tend to have been told no once, so they respond to an ad that sounds like it understands them.
What separates a fundable inquiry from a wasted call?
Time in business is the first filter. Someone eight months into a venture is a very different call than someone with six years of steady deposits. Next is the account type: a clean business account with consistent deposits is simpler than cash scattered across three apps. Credit range and down payment or equity come after that. A fundable inquiry has a story you can document. A wasted call is a person who wants a loan to start the business, or whose deposits are mostly transfers between their own accounts.
What does the form ask a self-employed borrower?
The questions are short because self-employed people are busy and wary of paperwork. Each answer saves you a minute on the first call, and none of them asks for a document upload.
- What kind of work do you do, and how long have you done it?
- Do your deposits go to a personal or a business account?
- Are you buying a home or refinancing?
- What is your approximate credit score range?
- How much do you have for a down payment, or how much equity is in the home?
How do the ads and landing page change for this loan?
The angle is relief, not rates: you earn more than your tax return shows, and there may be a way to prove it. Audiences lean toward business owners and independent workers, though on Meta housing and credit ads run in a special category with limited targeting, so the creative does most of the filtering. Facebook and Instagram bring volume. Google catches people already searching for statement loans, usually fewer and further along. The landing page promises a conversation about income documentation, not an approval. Replies go out the same business day, and you should call the same day too.
What should a lender know about compliance on these ads?
Non-QM loans still fall under ability-to-repay rules, so ads should never imply that income verification is skipped. If an ad names a rate or payment, Regulation Z trigger terms can require extra disclosures, and for that reason we keep rate quotes off the page. Calls and texts need clear TCPA consent, which the form captures with its own consent language. Fair lending applies to targeting, hence the special ad category on Meta. Licensing and advertising rules differ by state, so confirm the wording with your compliance contact before launch.
Before you reach out
Do these leads come with statements attached?
No. The form collects the facts that tell you whether to call, and you ask for documents once you are talking. Asking for uploads on a first form scares off the people you want.
Can you target 12 month or 24 month programs only?
We can ask how long they have been in business, which usually sorts the two. Tell us which programs you place and we will shape the ad around them.
Do you cover profit and loss or 1099 programs?
The ads and form can speak to either, and you will see which income type the borrower claims. What you can actually offer depends on your lender, so confirm that first.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.