Best Bank Statement Lenders in Arizona (2026)
Compare bank statement lenders serving Arizona real estate investors. We found 3 lenders offering bank statement loans in Arizona — see rates, LTV, credit requirements, and expert reviews below.
Investing in Arizona
Explosive population growth, TSMC semiconductor investment transforming the east Valley, strong appreciation play. Phoenix metro is one of the top markets for long-term appreciation.
Key Markets
Typical Rates
7.0%–9.5%
Max LTV
75%–80%
Typical Terms
30-year fixed or ARM
Min Credit
660–700
Bank Statement Lenders Serving Arizona
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Angel Oak Mortgage Solutions | 6.5%–9% | 80% | 660 | $100K–$3M | 21–30 days | 4.1 |
| Griffin Funding | 6.5%–9% | 80% | 620 | $100K–$5M | 21–30 days | 4.0 |
| Defy Mortgage | 6.5%–9% | 80% | 620 | $100K–$3M | 21–30 days | 3.9 |
Angel Oak Mortgage Solutions
4.1Angel Oak Mortgage Solutions is a leading non-QM lender offering DSCR, bank statement, and investor cash flow loans. One of the largest non-QM originators in the country with a wide broker network.
6.5%–9%
80%
660
21–30 days
$100K–$3M
No experience required
Griffin Funding
4.0Griffin Funding is a mortgage lender specializing in non-QM products for investors, including DSCR, bank statement, and asset-based loans. Strong option for self-employed borrowers and investors with complex income situations.
6.5%–9%
80%
620
21–30 days
$100K–$5M
No experience required
Defy Mortgage
3.9Defy Mortgage is a non-QM lender offering DSCR, bank statement, and asset depletion loans for real estate investors. Known for aggressive marketing and competitive rates on non-QM products.
6.5%–9%
80%
620
21–30 days
$100K–$3M
No experience required
About Bank Statement Loans in Arizona
Non-QM loans that use 12–24 months of bank statements instead of tax returns to verify income. Designed for self-employed investors and business owners whose tax returns understate their actual income.
Arizona real estate investors use bank statement loans for self-employed investors and business owners and investors who maximize tax deductions (write-offs reduce taxable income). Compare bank statement terms from multiple lenders to find the best fit for your Arizona investment strategy.
Other Loan Types in Arizona
Bank Statement Lenders in Nearby States
Analyze Your Arizona Deal
Use our free calculator to see if your Arizona investment works with Bank Statement financing.