DSCR Wholesale Lenders for Brokers

70 wholesale lenders that advertise dscr programs to mortgage brokers. Source-linked profiles, headquarters, and last-checked dates.

Investor loans qualified on property cash flow rather than borrower income. 70 lenders in this directory advertise DSCR 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 dscr 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 dscr 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 dscr 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. dscr guidelines
• Paramount Residential Mortgage Group — PRMG operates retail and wholesale side by side, with roughly 45% of reported production in the broker channel. Its niche shelf includes renovation, one-time-close construction, and manufactured housing. View Paramount Residential Mortgage Group dscr 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 dscr 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 dscr guidelines
• 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 dscr 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 dscr 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 dscr 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 dscr 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 dscr 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 dscr 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 dscr 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 dscr guidelines
• Ameritrust Mortgage Corp. — Ameritrust Mortgage serves brokers with agency, government, and select non-QM products, with roughly 45% of reported production in the wholesale channel. View Ameritrust Mortgage Corp. dscr 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 dscr 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 dscr 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 dscr 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 dscr 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 dscr guidelines
• HomeXpress Mortgage — HomeXpress Mortgage is a wholesale non-QM lender focused on self-employed, investor, and recent-credit-event borrowers. View HomeXpress Mortgage dscr 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 dscr 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 dscr guidelines
• Quontic Bank — Quontic Bank is a CDFI digital bank whose portfolio mortgage products include non-traditional documentation and ITIN lending. View Quontic Bank dscr guidelines
• Oaktree Funding — Oaktree Funding is a wholesale non-QM lender with alternative-documentation, investor, and foreign national programs. View Oaktree Funding dscr 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 dscr guidelines
• Newfi Wholesale — Newfi Wholesale offers brokers agency and non-QM products, including DSCR and bank statement qualification. View Newfi Wholesale dscr 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 dscr guidelines
• JMAC Lending — JMAC Lending is a wholesale and correspondent lender combining agency delivery with jumbo and non-QM products. View JMAC Lending dscr 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 dscr guidelines
• Excelerate Capital — Excelerate Capital is a wholesale lender specializing in non-QM and foreign national financing. View Excelerate Capital dscr guidelines
• Foundation Mortgage — Foundation Mortgage is a Florida-based portfolio lender with a long-running foreign national and non-QM niche. View Foundation Mortgage dscr guidelines
• Griffin Funding — Griffin Funding originates agency, VA, and non-QM products including DSCR and bank statement loans. View Griffin Funding dscr guidelines
• Kiavi — Kiavi is a business-purpose lender for real estate investors, offering bridge, rehab, new construction, and DSCR rental financing through a broker referral channel. View Kiavi dscr guidelines
• Lima One Capital — Lima One Capital finances residential real estate investors with fix-and-flip, new construction, rental, and portfolio loan products. View Lima One Capital dscr guidelines
• CoreVest Finance — CoreVest specializes in blanket and single-asset rental loans plus bridge and build-to-rent credit lines for investors. View CoreVest Finance dscr guidelines
• Visio Lending — Visio Lending is a DSCR-only investor lender with programs for long-term and short-term rental properties, distributed heavily through brokers. View Visio Lending dscr guidelines
• Velocity Mortgage Capital — Velocity Mortgage Capital is a broker-only lender for investor 1-4, multifamily, mixed-use, and small-balance commercial properties. View Velocity Mortgage Capital dscr guidelines
• RCN Capital — RCN Capital is a nationwide private lender offering short-term rehab, bridge, new construction, and long-term rental financing to investors and brokers. View RCN Capital dscr guidelines
• Anchor Loans — Anchor Loans is one of the longest-operating fix-and-flip lenders in the country, serving experienced investors and their brokers. View Anchor Loans dscr guidelines
• Temple View Capital — Temple View Capital is a business-purpose lender with rehab, bridge, construction, and DSCR products including foreign national eligibility. View Temple View Capital dscr guidelines
• Easy Street Capital — Easy Street Capital is a private investor lender offering rehab, bridge, and DSCR rental financing nationwide. View Easy Street Capital dscr guidelines
• Dominion Financial Services — Dominion Financial Services lends to real estate investors on rehab, rental, and portfolio transactions through a wholesale broker channel. View Dominion Financial Services dscr guidelines
• Constructive Loans — Constructive Loans is a business-purpose lender focused on DSCR rental and rehab products distributed through brokers. View Constructive Loans dscr guidelines
• Renovo Financial — Renovo Financial finances residential rehab and new construction projects for investors, with a Midwest and East Coast concentration. View Renovo Financial dscr guidelines
• Silver Hill Funding — Silver Hill Funding specializes in small-balance commercial and mixed-use loans and actively markets to residential mortgage brokers. View Silver Hill Funding dscr guidelines
• Axos Bank — Axos Bank is a digital bank whose lending arm offers portfolio jumbo, non-QM, and specialty real estate products through wholesale relationships. View Axos Bank dscr 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) dscr guidelines
• NQM Funding — NQM Funding is a wholesale non-QM lender covering alternative documentation, investor DSCR, foreign national, and ITIN scenarios. View NQM Funding dscr guidelines
• Carrington Investor Advantage — Carrington's investor product line offers DSCR-qualified rental financing to brokers, including vesting in an LLC. View Carrington Investor Advantage dscr guidelines
• AmWest Funding — AmWest Funding is a wholesale lender combining agency and government products with non-QM, DSCR, and ITIN programs. View AmWest Funding dscr guidelines
• Mega Capital Funding — Mega Capital Funding is a wholesale lender offering agency, jumbo, and non-QM products including foreign national financing. View Mega Capital Funding dscr guidelines
• GreenBox Loans — GreenBox Loans is a wholesale non-QM lender with programs for self-employed, ITIN, and foreign national borrowers. View GreenBox Loans dscr guidelines
• WestOne Lending — WestOne Lending is a wholesale lender focused on non-QM and business-purpose investor products. View WestOne Lending dscr guidelines
• Sunset Equity Funding — Sunset Equity Funding is a private lender offering bridge, rehab, DSCR, and commercial financing to brokers and investors. View Sunset Equity Funding dscr 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 dscr guidelines
• ArcStone Financial — ArcStone Financial is a business-purpose lender for residential investors, with rehab, construction, and DSCR products. View ArcStone Financial dscr guidelines
• Roc360 / Roc Capital — Roc360 funds business-purpose loans through a broker and partner network, covering bridge, rehab, ground-up, and rental products. View Roc360 / Roc Capital dscr guidelines
• Toorak Capital Partners — Toorak Capital Partners buys business-purpose loans from originators. Brokers rarely close directly with Toorak but frequently transact with lenders it funds. View Toorak Capital Partners dscr 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 dscr 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. dscr 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 dscr guidelines
• LendingOne — LendingOne is a business-purpose lender for real estate investors, with rental DSCR, fix-and-flip, bridge, and new-construction products available through broker partners. View LendingOne dscr guidelines
• Park Place Finance — Park Place Finance is a private lender focused on fix-and-flip, bridge, and DSCR rental loans for investors and their brokers. View Park Place Finance dscr guidelines
• Civic Financial Services — Civic Financial Services is an institutional investor lender offering DSCR rental, bridge, and rehab financing to brokers serving real estate investors. View Civic Financial Services dscr guidelines
• Archwest Capital — Archwest Capital provides business-purpose rental, bridge, and construction financing for residential investors through broker and direct channels. View Archwest Capital dscr guidelines
• CV3 Financial Services — CV3 Financial Services is a business-purpose lender for residential real estate investors, with DSCR rental, bridge, and rehab programs for brokers. View CV3 Financial Services dscr guidelines
• Templeton Financial Services — Templeton Financial Services works with brokers on non-QM and business-purpose scenarios that fall outside agency and conventional guidelines. View Templeton Financial Services dscr guidelines
• LoanUnited Wholesale — LoanUnited operates a broker channel pairing agency and government products with select non-QM and investor options. View LoanUnited Wholesale dscr guidelines