Generally, when you apply for a home mortgage a lender will ask for your last 2 bankstatements. Tradelines and credit score are more important for the approval process. It's not the length of time you have had a bank account, but your debt ratio and established credit that is use to approve a buyer for a mortgage. To qualify in Ohio for an FHA loan most lenders require a 630 credit score, 2 bankstatements, last 2 years of w-2's and your last two paystubs, plus your ratios (debt to income) must meet a published standard. So, a bank account is just a small part of the picture when you are looking for a home mortgage.