theLender fha wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
theLender (Lake Forest, CA) advertises FHA 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 fha 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.
Government-insured financing with upfront and annual MIP, more tolerant of thin credit and prior derogatory events than agency products. In the wholesale channel this product type is commonly written from a 580 minimum FICO up to 96.5% LTV, on loan amounts between $50K and $524K, with DTI capped near 57%. Accepted documentation typically includes full doc, with primary residence occupancy and single family, warrantable condo, 2-4 unit, manufactured 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 fha 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 fha 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 fha matrix on a public page, so this profile shows the channel-typical structure instead: a 580 minimum score and leverage up to 96.5% LTV, with DTI to roughly 57%. 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 $50K and $524K, using full doc documentation on primary residence 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 FHA wholesale lenders · Program search · Wholesale lender rankings