Non-QM Wholesale Lenders for Brokers

58 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. 58 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
• 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. non-qm 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 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
• 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 non-qm 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 non-qm 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 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
• Mutual of Omaha Mortgage, Inc. — Mutual of Omaha Mortgage runs retail, wholesale, and a large reverse mortgage division. Brokers most often engage it for HECM and proprietary reverse products. View Mutual of Omaha Mortgage, Inc. non-qm 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. non-qm 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 non-qm 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 non-qm 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 non-qm 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 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
• HomeXpress Mortgage — HomeXpress Mortgage is a wholesale non-QM lender focused on self-employed, investor, and recent-credit-event borrowers. View HomeXpress Mortgage non-qm 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 non-qm 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 non-qm guidelines
• Quontic Bank — Quontic Bank is a CDFI digital bank whose portfolio mortgage products include non-traditional documentation and ITIN lending. View Quontic Bank non-qm guidelines
• Oaktree Funding — Oaktree Funding is a wholesale non-QM lender with alternative-documentation, investor, and foreign national programs. View Oaktree Funding non-qm 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 non-qm guidelines
• Newfi Wholesale — Newfi Wholesale offers brokers agency and non-QM products, including DSCR and bank statement qualification. View Newfi Wholesale non-qm 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 non-qm guidelines
• JMAC Lending — JMAC Lending is a wholesale and correspondent lender combining agency delivery with jumbo and non-QM products. View JMAC Lending non-qm 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 non-qm guidelines
• Excelerate Capital — Excelerate Capital is a wholesale lender specializing in non-QM and foreign national financing. View Excelerate Capital non-qm guidelines
• Foundation Mortgage — Foundation Mortgage is a Florida-based portfolio lender with a long-running foreign national and non-QM niche. View Foundation Mortgage non-qm guidelines
• Griffin Funding — Griffin Funding originates agency, VA, and non-QM products including DSCR and bank statement loans. View Griffin Funding 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
• Cardinal Financial — Cardinal Financial's wholesale channel runs on its proprietary Octane platform, with agency, government, and select non-agency products. View Cardinal Financial 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
• 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) non-qm guidelines
• NQM Funding — NQM Funding is a wholesale non-QM lender covering alternative documentation, investor DSCR, foreign national, and ITIN scenarios. View NQM Funding non-qm 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 non-qm guidelines
• AmWest Funding — AmWest Funding is a wholesale lender combining agency and government products with non-QM, DSCR, and ITIN programs. View AmWest Funding non-qm 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 non-qm guidelines
• GreenBox Loans — GreenBox Loans is a wholesale non-QM lender with programs for self-employed, ITIN, and foreign national borrowers. View GreenBox Loans non-qm guidelines
• WestOne Lending — WestOne Lending is a wholesale lender focused on non-QM and business-purpose investor products. View WestOne Lending non-qm 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 non-qm guidelines
• CrossCountry Mortgage Wholesale — CrossCountry Mortgage's third-party channel gives brokers agency, government, jumbo, and non-QM options from a large multi-channel lender. View CrossCountry Mortgage Wholesale non-qm guidelines
• Sun West Mortgage Company — Sun West Mortgage offers brokers a wide product set spanning forward agency and government lending, reverse mortgages, and specialty products. View Sun West Mortgage Company non-qm 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 non-qm 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. non-qm 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 non-qm guidelines
• Towne Mortgage Company TPO — Towne Mortgage's TPO channel serves brokers and mini-correspondents with agency, government, renovation, and manufactured housing programs. View Towne Mortgage Company TPO non-qm 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 non-qm guidelines
• Bank of England Mortgage Wholesale — Bank of England Mortgage operates a wholesale channel combining agency and government lending with bank portfolio and non-QM options. View Bank of England Mortgage Wholesale non-qm guidelines
• LoanUnited Wholesale — LoanUnited operates a broker channel pairing agency and government products with select non-QM and investor options. View LoanUnited Wholesale non-qm guidelines
• MortgageRight Wholesale — MortgageRight supports brokers and branch partners with agency, government, and select non-QM products. View MortgageRight Wholesale non-qm guidelines