OneTrust Home Loans · Lender
OneTrust Home Loans
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice.
Our take: Pros & Cons
What we like
- The Bank Statement Loan Program considers business and personal bank statements in place of W-2s or regular payroll checks.
- Condo Hotel Financing is listed for second homes and investment properties.
- A committee reviews unique portfolio financing scenarios.
What to consider
- Not all products are available in all states or on all programs.
- All programs require borrower and property qualifications.
- Rates, terms and conditions may change without notice.
AI-generated lender-level assessment based on published information. Not a verified assessment of Bank Statement Loan Program; confirm program-specific conditions below.
Additional lender considerations
- Numeric advertised mortgage pricing is not confirmed on the reviewed portfolio page.
Newcomer requirements
Bank Statement Loan Program
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Income documentation
- If you don’t work the standard nine to five, we’ll consider your business and personal bank statements in lieu of W-2’s or regular payroll checks.
- Employment documentation
- If you don’t work the standard nine to five, we’ll consider your business and personal bank statements in lieu of W-2’s or regular payroll checks.
View full lender requirements
- Income documentation
- If you don’t work the standard nine to five, we’ll consider your business and personal bank statements in lieu of W-2’s or regular payroll checks.
- Employment documentation
- If you don’t work the standard nine to five, we’ll consider your business and personal bank statements in lieu of W-2’s or regular payroll checks.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
- Other conditions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
Bank Statement Loan Program
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Bank Statement Loan Program
- If you don’t work the standard nine to five, we’ll consider your business and personal bank statements in lieu of W-2’s or regular payroll checks.
- If you don’t work the standard nine to five, we’ll consider your business and personal bank statements in lieu of W-2’s or regular payroll checks.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
OneTrust Home Loans, a dba of CalCon Mutual Mortgage LLC, offers traditional and portfolio mortgage options. Published portfolio pathways include bank-statement qualification and condo-hotel financing for second homes or investment properties, subject to borrower and property qualifications.
Legal lender: CalCon Mutual Mortgage LLC
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 46375
More lender directory information
Direct application information ↗
All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 27, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.