77 wholesale lenders that advertise non-qm programs to mortgage brokers. Source-linked profiles, headquarters, and last-checked dates.
Loans outside the QM box: alternative documentation, credit-event, and investor products. 77 lenders in this directory advertise Non-QM 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 non-qm 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 non-qm 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 non-qm 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 non-qm 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 non-qm 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 non-qm 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 non-qm 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 non-qm 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 non-qm guidelines
NexBank — NexBank is a Dallas-based bank with a mortgage division serving brokers and correspondents, combining agency delivery with bank portfolio flexibility. View NexBank non-qm 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 non-qm 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 non-qm 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 non-qm guidelines
AFR Wholesale — AFR Wholesale is known among brokers for renovation lending, manufactured housing, and one-time-close construction alongside standard agency and government products. View AFR Wholesale non-qm 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 non-qm guidelines
Allied Mortgage Group — Allied Mortgage Group publishes a TPO channel spanning agency and Non-QM products in its own public materials, which is the basis for this listing. Those materials reference Foreign National, HELOC, Jumbo, Reverse Mortgage and additional lending (lender-advertised tags: Foreign National, HELOC, Jumbo, Reverse). Its NMLS ID is 1067. Allied Mortgage 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 Allied Mortgage Group non-qm guidelines
First Guaranty Mortgage — First Guaranty Mortgage publishes a Non-QM wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Non-QM lending. First Guaranty 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 First Guaranty Mortgage non-qm 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 non-qm 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 non-qm 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 non-qm 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 non-qm guidelines
New Wave Lending Group — New Wave Lending Group publishes a Non-QM wholesale channel in its own public materials, which is the basis for this listing. Those materials reference Conventional, Jumbo, Non-QM lending (lender-advertised tags: Conventional, Jumbo, Non-QM). Its NMLS ID is 1649874. New Wave 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 New Wave Lending Group non-qm 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 non-qm guidelines
Peoples Bank — Peoples 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 Portfolio, Non-QM lending. Peoples 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 Peoples Bank non-qm 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 non-qm 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 non-qm guidelines
Sterling Bank & Trust — Sterling Bank & Trust 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 Portfolio, Non-QM lending. Sterling Bank & Trust 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 Sterling Bank & Trust non-qm guidelines
Assurance Financial — Assurance Financial publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Ground-Up Construction, Conventional, FHA, Jumbo and additional lending (lender-advertised tags: Construction, Conventional, FHA, Jumbo, Non-QM, USDA, VA). Its NMLS ID is 70876. Assurance 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 Assurance Financial non-qm 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 non-qm 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 non-qm guidelines
Metro City Bank — Metro City 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 USDA, Portfolio, Non-QM lending (lender-advertised tags: USDA). Metro City 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 Metro City Bank non-qm guidelines
New American Funding — New American Funding publishes an agency-focused broker channel in its own public materials, which is the basis for this listing. Those materials reference Conventional, FHA, HELOC, Jumbo and additional lending (lender-advertised tags: DPA, FHA, HELOC, Jumbo, Non-QM, Reverse, USDA). Its NMLS ID is 6606. New American 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 New American Funding non-qm guidelines
Novus Home Mortgage — Novus Home Mortgage publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Ground-Up Construction, Conventional, FHA, Jumbo and additional lending (lender-advertised tags: Construction, DPA, FHA, Jumbo, Non-QM, USDA). Its NMLS ID is 423065. Novus Home 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 Novus Home Mortgage non-qm guidelines
Success Mortgage Partners — Success Mortgage Partners publishes a wholesale/TPO channel in its own public materials, which is the basis for this listing. Those materials reference Ground-Up Construction, Conventional, FHA, Jumbo and additional lending (lender-advertised tags: Construction, Conventional, DPA, FHA, Jumbo, Non-QM, Reverse, USDA, VA). Its NMLS ID is 130562. Success Mortgage Partners 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 Success Mortgage Partners non-qm guidelines