Bank Statement Wholesale Lenders for Brokers

54 wholesale lenders that advertise bank statement programs to mortgage brokers. Source-linked profiles, headquarters, and last-checked dates.

Self-employed qualification using 12 or 24 months of personal or business bank statements. 54 lenders in this directory advertise Bank Statement programs to brokers.

Lenders

• United Wholesale Mortgage — UWM originates exclusively through independent mortgage brokers, so its total company production is also its wholesale production. Public 2024 disclosures put it at roughly $139.7 billion across 366,078 originations — a figure drawn from HMDA and company reporting rather than the Scotsman Guide wholesale survey, and therefore not directly comparable to the wholesale-only figures below. View United Wholesale Mortgage bank statement guidelines
• Kind Lending, LLC — Kind Lending is a broker-channel-dominant lender — the ranking shows 96% of its production coming through wholesale. It pairs a full agency and government menu with a growing non-QM shelf. View Kind Lending, LLC bank statement guidelines
• OCMBC, Inc — OCMBC is the parent of several broker-facing non-QM brands and reports 83% of production through wholesale. Its shelf leans heavily on alternative-documentation and investor products. View OCMBC, Inc bank statement guidelines
• Acra Lending — Acra Lending is a dedicated non-QM and business-purpose lender serving brokers and correspondents, with 85% of reported production in the wholesale channel. View Acra Lending bank statement guidelines
• A&D Mortgage, LLC — A&D Mortgage is a broker-channel non-QM leader that also carries agency and government products. The ranking shows 90% of its production originating through wholesale. View A&D Mortgage, LLC bank statement guidelines

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• Orion Lending — Orion Lending is a broker-only wholesale lender known for its self-service pricing and submission technology, with an agency core and a non-QM shelf. View Orion Lending bank statement guidelines
• theLender — theLender is a wholesale-first lender (92% of reported production) that pairs agency and government lending with down payment assistance and non-QM options for brokers. View theLender bank statement guidelines
• Change Lending — Change Lending is a CDFI-certified lender whose broker channel focuses on borrowers underserved by agency guidelines, including self-employed and ITIN borrowers. View Change Lending bank statement guidelines
• Emporium TPO — Emporium TPO is a pure third-party origination shop — the ranking reports 100% of production through the wholesale channel, split across broker and non-delegated correspondent brokers. View Emporium TPO bank statement guidelines
• American Heritage Lending — American Heritage Lending focuses on business-purpose and investor products for brokers, spanning DSCR rentals, bridge, and rehab financing alongside non-QM consumer loans. View American Heritage Lending bank statement guidelines
• First National Bank of America — First National Bank of America is a portfolio bank lender whose wholesale channel specializes in alternative-documentation and credit-event borrowers that agency guidelines exclude. View First National Bank of America bank statement guidelines
• Carrington Mortgage Services — Carrington Wholesale is known among brokers for government lending down the credit spectrum plus a non-QM shelf aimed at recent-credit-event and self-employed borrowers. View Carrington Mortgage Services bank statement guidelines
• FundLoans — FundLoans is a wholesale-only lender concentrated on large-balance non-QM. Its low unit count against high volume reflects an average loan size well above the market. View FundLoans bank statement guidelines
• Angel Oak Mortgage Solutions — Angel Oak Mortgage Solutions is a wholesale non-QM lender whose shelf is built around bank statement, asset qualifier, DSCR, and credit-event products. View Angel Oak Mortgage Solutions bank statement guidelines
• Deephaven Mortgage — Deephaven is a dedicated non-QM lender serving brokers and correspondents, with expanded-prime, alternative-documentation, and investor DSCR products. View Deephaven Mortgage bank statement guidelines
• Verus Mortgage Capital — Verus Mortgage Capital is a non-QM investor that buys expanded-credit and investor loans from originators, and is a common takeout behind broker-channel non-QM programs. View Verus Mortgage Capital bank statement guidelines
• LoanStream Mortgage — LoanStream Mortgage is a wholesale lender pairing agency and government products with its NanQ non-QM series for self-employed, investor, and foreign national borrowers. View LoanStream Mortgage bank statement guidelines
• Arc Home — Arc Home serves brokers and correspondents with both agency/government products and a non-QM shelf covering bank statement, asset qualification, and DSCR. View Arc Home bank statement guidelines
• HomeXpress Mortgage — HomeXpress Mortgage is a wholesale non-QM lender focused on self-employed, investor, and recent-credit-event borrowers. View HomeXpress Mortgage bank statement guidelines
• Champions Funding — Champions Funding is a CDFI-certified wholesale non-QM lender serving self-employed, investor, and underserved borrower segments through brokers. View Champions Funding bank statement guidelines
• Logan Finance — Logan Finance is a wholesale non-QM lender known for scenario-desk underwriting on alternative-documentation and investor loans. View Logan Finance bank statement guidelines
• Quontic Bank — Quontic Bank is a CDFI digital bank whose portfolio mortgage products include non-traditional documentation and ITIN lending. View Quontic Bank bank statement guidelines
• Oaktree Funding — Oaktree Funding is a wholesale non-QM lender with alternative-documentation, investor, and foreign national programs. View Oaktree Funding bank statement guidelines
• ClearEdge Lending — ClearEdge Lending is a wholesale non-QM lender that underwrites and funds its own balance-sheet products for brokers. View ClearEdge Lending bank statement guidelines
• Newfi Wholesale — Newfi Wholesale offers brokers agency and non-QM products, including DSCR and bank statement qualification. View Newfi Wholesale bank statement guidelines
• Nations Direct Mortgage — Nations Direct Mortgage serves brokers with agency and government lending plus a non-agency shelf for self-employed and investor borrowers. View Nations Direct Mortgage bank statement guidelines
• JMAC Lending — JMAC Lending is a wholesale and correspondent lender combining agency delivery with jumbo and non-QM products. View JMAC Lending bank statement guidelines
• Luxury Mortgage Corp — Luxury Mortgage's wholesale channel is built around jumbo and its Simple Access non-QM series for self-employed and investor borrowers. View Luxury Mortgage Corp bank statement guidelines
• Excelerate Capital — Excelerate Capital is a wholesale lender specializing in non-QM and foreign national financing. View Excelerate Capital bank statement guidelines
• Foundation Mortgage — Foundation Mortgage is a Florida-based portfolio lender with a long-running foreign national and non-QM niche. View Foundation Mortgage bank statement guidelines
• Griffin Funding — Griffin Funding originates agency, VA, and non-QM products including DSCR and bank statement loans. View Griffin Funding bank statement guidelines
• Hometown Equity Mortgage (HEM) — Hometown Equity Mortgage is a wholesale non-QM lender with residential investor, foreign national, and small commercial products. View Hometown Equity Mortgage (HEM) bank statement guidelines
• NQM Funding — NQM Funding is a wholesale non-QM lender covering alternative documentation, investor DSCR, foreign national, and ITIN scenarios. View NQM Funding bank statement guidelines
• AmWest Funding — AmWest Funding is a wholesale lender combining agency and government products with non-QM, DSCR, and ITIN programs. View AmWest Funding bank statement guidelines
• GreenBox Loans — GreenBox Loans is a wholesale non-QM lender with programs for self-employed, ITIN, and foreign national borrowers. View GreenBox Loans bank statement guidelines
• WestOne Lending — WestOne Lending is a wholesale lender focused on non-QM and business-purpose investor products. View WestOne Lending bank statement guidelines
• Equity Prime Mortgage — Equity Prime Mortgage is a wholesale and correspondent lender with a strong government emphasis plus non-QM and investor products. View Equity Prime Mortgage bank statement guidelines
• AmeriSave Wholesale Mortgage Solutions — AmeriSave's TPO division gives brokers agency and government pricing plus a non-agency shelf including DSCR and bank statement products. View AmeriSave Wholesale Mortgage Solutions bank statement guidelines
• LendSure Mortgage Corp. — LendSure Mortgage Corp. is a wholesale non-QM lender whose broker shelf covers bank statement, DSCR, foreign national, and expanded-credit scenarios. View LendSure Mortgage Corp. bank statement guidelines
• Citadel Servicing Corporation — Citadel Servicing Corporation is the legacy non-QM originator now operating under the Acra Lending brand, historically one of the earliest broker-channel non-QM shelves. View Citadel Servicing Corporation bank statement guidelines
• HomeSpring Mortgage — HomeSpring Mortgage publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Ground-Up Construction, Foreign National, Jumbo and additional lending (lender-advertised tags: Bank Statement, Construction, Foreign National, Jumbo, Non-QM). Its NMLS ID is 1616162. HomeSpring Mortgage does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View HomeSpring Mortgage bank statement guidelines
• Jet Direct Mortgage — Jet Direct Mortgage publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Conventional, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Conventional, DSCR, FHA, ITIN, Jumbo, Non-QM, Reverse, VA). Its NMLS ID is 3542. Jet Direct Mortgage does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Jet Direct Mortgage bank statement guidelines
• LendSure Mortgage Corp — LendSure Mortgage Corp publishes a Non-QM wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, Ground-Up Construction, Conventional and additional lending (lender-advertised tags: Bank Statement, Bridge, Construction, Conventional, DSCR, Fix & Flip, Foreign National, ITIN, Jumbo, Non-QM). Its NMLS ID is 1326437. LendSure Mortgage Corp does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View LendSure Mortgage Corp bank statement guidelines
• Lendz Financial — Lendz Financial publishes a Non-QM wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, DSCR, Foreign National, Jumbo and additional lending (lender-advertised tags: Bank Statement, DSCR, Foreign National, Jumbo, Non-QM). Its NMLS ID is 1891964. Lendz Financial does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Lendz Financial bank statement guidelines
• North American Savings Bank — North American Savings Bank publishes a bank TPO channel that includes Non-QM products in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, Ground-Up Construction, Conventional and additional lending (lender-advertised tags: Bank Statement, Bridge, Construction, Conventional, DSCR, FHA, Jumbo, Non-QM, VA). Its NMLS ID is 400039. North American Savings Bank does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View North American Savings Bank bank statement guidelines
• Prime Choice Funding — Prime Choice Funding publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Conventional, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Conventional, DPA, DSCR, FHA, Jumbo, Non-QM, Reverse, VA). Its NMLS ID is 117375. Prime Choice Funding does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Prime Choice Funding bank statement guidelines
• Ridge Lending Group — Ridge Lending Group publishes an investor lending channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Bridge, DSCR, FHA, Foreign National, HELOC, Non-QM, USDA, VA). Its NMLS ID is 42056. Ridge Lending Group does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Ridge Lending Group bank statement guidelines
• Beeline Loans — Beeline Loans publishes a Non-QM and DSCR wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, DSCR, FHA, Non-QM lending (lender-advertised tags: Bank Statement, DSCR, FHA). Its NMLS ID is 1799947. Beeline Loans does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Beeline Loans bank statement guidelines
• BluePoint Mortgage — BluePoint Mortgage publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Conventional, DSCR, FHA and additional lending (lender-advertised tags: Bank Statement, Conventional, DSCR, FHA, ITIN, Non-QM). Its NMLS ID is 320004. BluePoint Mortgage does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View BluePoint Mortgage bank statement guidelines
• Certain Lending — Certain Lending publishes a private-lending channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Ground-Up Construction, DSCR, Fix & Flip and additional lending (lender-advertised tags: Bank Statement, Construction, DSCR, Fix & Flip, Foreign National, Investor). Its NMLS ID is 1716495. Certain Lending does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Certain Lending bank statement guidelines
• Radius Financial Group — Radius Financial Group publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Bank Statement, Bridge, Ground-Up Construction, DSCR and additional lending (lender-advertised tags: Bank Statement, Bridge, Construction, DSCR, FHA, ITIN, Jumbo, Reverse, USDA). Its NMLS ID is 1846. Radius Financial Group does not publish a comparable wholesale-only production figure, so no volume is shown here — broker approval, licensing, and current guidelines are decided by the lender. View Radius Financial Group bank statement guidelines
• 5th Street Capital, Inc. — 5th Street Capital, Inc. (NMLS #1436495) is a San Diego–based wholesale mortgage lender whose site is explicitly business-to-business and marked for mortgage professionals only. It publishes Non-QM wholesale programs with broker-facing infrastructure — an AE locator, program matrices, forms and docs, portal registration, white-label flyers and a dedicated lock desk. 5th Street Capital does not publish wholesale production volume, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View 5th Street Capital, Inc. bank statement guidelines
• GIANT Lending — GIANT Lending is the wholesale broker channel operating as a registered DBA of OCMBC, Inc. (NMLS ID #2125), with published Prime and Non-QM program sets including bank-statement documentation. Broker-facing infrastructure includes its "Runway" TPO portal, submission forms, appraisal ordering and a list of approved credit vendors, and its materials are marked as intended for real estate and lending professionals. GIANT Lending does not publish a wholesale-only production figure, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View GIANT Lending bank statement guidelines
• Loanhouse Mortgage Capital, Inc. — Loanhouse Mortgage Capital, Inc. (NMLS #1946451) runs its broker channel as loanhouseTPO from Fort Lauderdale, Florida, offering wholesale plus delegated and non-delegated correspondent execution. Its own materials cite a leadership team with 35+ years of wholesale lending experience, agency and government programs alongside a large Non-QM menu (DSCR, bank statement, alt-doc and closed-end second liens), and broker technology including its LOiS pricing and lock portal and LoanPass. Loanhouse does not publish audited wholesale production volume, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View Loanhouse Mortgage Capital, Inc. bank statement guidelines

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