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. Friday Harbor gives them that answer earlier while helping them assemble the full underwritable file, so lenders can scale these programs without creating new operational bottlenecks.” About Friday HarborFriday Harbor is an AI pre-underwriting platform that helps lenders identify and resolve potential issues earlier in the origination process.