Non-QM Wholesale Lenders for Brokers

82 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. 82 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

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• 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
• 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
• Jet Mortgage — Jet Mortgage is the wholesale/TPO channel of HomeMac, LLC (NMLS ID 1165808), working with broker and correspondent partners only. Its published program set covers Conventional, FHA, VA, CalHFA and Non-QM (bank statement, P&L, 1099, WVOE and asset-qualifier documentation), and the lender states it is licensed in 48 states and is a direct seller/servicer for Fannie Mae and Freddie Mac. Broker tools include a quick pricer, rate sheets, a bank-statement income calculator, a scenario desk and published turn times. Jet Mortgage does not publish wholesale production volume, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View Jet Mortgage non-qm guidelines
• 5th Street Capital, Inc. — 5th Street Capital, Inc. (NMLS #1436495) is a San Diego–based wholesale mortgage lender whose site is explicitly business-to-business and marked for mortgage professionals only. It publishes Non-QM wholesale programs with broker-facing infrastructure — an AE locator, program matrices, forms and docs, portal registration, white-label flyers and a dedicated lock desk. 5th Street Capital does not publish wholesale production volume, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View 5th Street Capital, Inc. non-qm guidelines
• GIANT Lending — GIANT Lending is the wholesale broker channel operating as a registered DBA of OCMBC, Inc. (NMLS ID #2125), with published Prime and Non-QM program sets including bank-statement documentation. Broker-facing infrastructure includes its "Runway" TPO portal, submission forms, appraisal ordering and a list of approved credit vendors, and its materials are marked as intended for real estate and lending professionals. GIANT Lending does not publish a wholesale-only production figure, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View GIANT Lending non-qm guidelines
• Loanhouse Mortgage Capital, Inc. — Loanhouse Mortgage Capital, Inc. (NMLS #1946451) runs its broker channel as loanhouseTPO from Fort Lauderdale, Florida, offering wholesale plus delegated and non-delegated correspondent execution. Its own materials cite a leadership team with 35+ years of wholesale lending experience, agency and government programs alongside a large Non-QM menu (DSCR, bank statement, alt-doc and closed-end second liens), and broker technology including its LOiS pricing and lock portal and LoanPass. Loanhouse does not publish audited wholesale production volume, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View Loanhouse Mortgage Capital, Inc. non-qm guidelines
• GCA Lending — GCA Lending is a Miami Lakes, Florida wholesale channel focused on reverse mortgage lending for brokers, publishing NMLS #2032010 alongside MCM Holdings, Inc. (NMLS #213236) and describing its positioning as "Reverse Mortgage Lending Made Easy," with Non-QM alongside its reverse offering. GCA Lending does not publish wholesale production volume, so no volume is shown here — broker approval, licensing and current guidelines are decided by the lender. View GCA Lending non-qm guidelines

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