Closed-End Second Wholesale Lenders for Brokers

16 wholesale lenders that advertise closed-end second programs to mortgage brokers. Source-linked profiles, headquarters, and last-checked dates.

Fixed-rate second mortgages that leave a low first-lien rate untouched. 16 lenders in this directory advertise Closed-End Second 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 closed-end second guidelines
• Rocket Pro TPO — Rocket Pro TPO is Rocket Mortgage's partner channel for brokers and non-delegated correspondents. Rocket produced approximately $97.6 billion across 361,071 originations in 2024 across all channels; Rocket does not publish a wholesale-only breakout, so the company total is shown and labeled as all-channel. View Rocket Pro TPO closed-end second guidelines
• Pennymac — Pennymac's TPO channel is one of the largest broker outlets in the country, built on agency and government production at scale. Wholesale is a minority share of Pennymac's overall business, which is why its reported wholesale percentage is low relative to broker-only shops. View Pennymac closed-end second guidelines
• Newrez LLC — Newrez runs wholesale alongside large retail, correspondent, and servicing operations. Brokers get an agency and government core plus the SMART Series of non-QM products. View Newrez LLC closed-end second guidelines
• Plaza Home Mortgage, Inc. — Plaza Home Mortgage is one of the broadest broker-channel menus in the market — agency, government, jumbo, non-QM, renovation, manufactured housing, and a dedicated reverse mortgage division. View Plaza Home Mortgage, Inc. closed-end second guidelines

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• CMG Home Loans — CMG is a multi-channel lender whose wholesale division gives brokers access to agency, government, and proprietary products including its All In One offset mortgage and second-lien shelf. View CMG Home Loans closed-end second 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 closed-end second guidelines
• Spring EQ Wholesale — Spring EQ's wholesale channel is dedicated to second liens and HELOCs, letting brokers serve equity needs without touching a low first-lien rate. View Spring EQ Wholesale closed-end second guidelines
• Symmetry Lending — Symmetry Lending is a HELOC-only wholesale lender frequently used for piggyback seconds behind purchase transactions. View Symmetry Lending closed-end second guidelines
• Figure Lending — Figure offers a technology-driven HELOC product distributed in part through partner and broker channels. View Figure Lending closed-end second guidelines
• The Loan Store — The Loan Store is a broker-only wholesale lender with an agency and government core plus HELOC and closed-end second products. View The Loan Store closed-end second guidelines
• MiLEND — MiLEND originates agency, government, and home equity products, including debt-consolidation second liens. View MiLEND closed-end second guidelines
• Lakeview Loan Servicing / Bayview TPO — Lakeview and Bayview support third-party originators with agency and government delivery plus second-lien products. View Lakeview Loan Servicing / Bayview TPO closed-end second guidelines
• Third Federal Savings & Loan — Third Federal is a portfolio thrift known for competitive home equity lines and fixed second mortgages. View Third Federal Savings & Loan closed-end second guidelines
• Hometap — Hometap publishes a home equity investment channel in its own public materials, which is the basis for this listing. Those materials reference Closed-End Second lending. Its NMLS ID is 2467867. Hometap 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 Hometap closed-end second guidelines
• Unison — Unison publishes a home equity investment channel in its own public materials, which is the basis for this listing. Those materials reference Closed-End Second lending. Its NMLS ID is 2574289. Unison 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 Unison closed-end second guidelines

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