The new capabilities allow lenders to evaluate non-QM bank statement and certain jumbo loans earlier in the origination process, including calculating qualifying income for bank statement borrowers. According to data from Optimal Blue, non-QM loans accounted for more than 10% of all mortgage locks in July 2026, a share that’s more than tripled since the company began tracking the category in 2022. “Bank statement loans are a great example. Bank statement loans can be especially challenging because determining qualifying income requires lenders to analyze months of deposits, distinguish business from personal cash flow and apply investor-specific calculation methods. About Friday HarborFriday Harbor is an AI pre-underwriting platform that helps lenders identify and resolve potential issues earlier in the origination process.