theLender bank statement wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
theLender (Lake Forest, CA) advertises Bank Statement lending to mortgage brokers, ranked #13 by reported wholesale volume. Last checked 2026-07-26.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
theLender is headquartered in Lake Forest, CA and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced bank statement lending when we last checked them on 2026-07-26, alongside 7 other advertised product types in this directory. theLender also has $1.81B in wholesale production reported for 2024, placing it #13 in the ranking we reference.
Income derived from 12 or 24 months of personal or business deposits with an expense factor applied instead of tax returns. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 90% LTV, on loan amounts between $100K and $3.50M, with DTI capped near 50%. Accepted documentation typically includes bank statement, with primary residence, second home, investment property occupancy and single family, warrantable condo, 2-4 unit property types in scope. Those parameters describe the channel, not theLender's own matrix — pull the current guideline from the lender before you quote.
theLender's own positioning notes are: Down payment assistance; Broker-only channel. Those are lender-published claims, checked 2026-07-26. What matters on a bank statement submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from theLender directly, and none of them are published here.
Yes. theLender's public broker materials referenced bank statement lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by theLender, not by this directory — start at its thelender official website and confirm current requirements.
theLender does not publish its bank statement matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 90% LTV, with DTI to roughly 50%. Treat that as a starting point and verify the live guideline with your account executive.
In the wholesale channel this product is generally written between $100K and $3.50M, using bank statement documentation on primary residence, second home, investment property occupancy. theLender may sit tighter or looser than that range on any single field.
Scotsman Guide Top Wholesale Lenders reported $1.81B for 2024 and placed theLender at #13. That figure is published by Scotsman Guide; LoanOfficer.ai reproduces it with attribution and does not calculate it.
theLender lender profile · All Bank Statement wholesale lenders · Program search · Wholesale lender rankings