Portfolio Wholesale Lenders for Brokers 44 wholesale lenders that advertise portfolio programs to mortgage brokers. Source-linked profiles, headquarters, and last-checked dates.
Balance-sheet products with lender-set guidelines and no agency delivery. 44 lenders in this directory advertise Portfolio programs to brokers.
Lenders 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 portfolio 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 portfolio 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 portfolio 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 portfolio 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 portfolio 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 portfolio 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 portfolio 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 portfolio guidelines HomeXpress Mortgage — HomeXpress Mortgage is a wholesale non-QM lender focused on self-employed, investor, and recent-credit-event borrowers. View HomeXpress Mortgage portfolio guidelines Quontic Bank — Quontic Bank is a CDFI digital bank whose portfolio mortgage products include non-traditional documentation and ITIN lending. View Quontic Bank portfolio 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 portfolio guidelines Spring EQ Wholesale — Spring EQ's wholesale channel is dedicated to second liens and HELOCs, letting brokers serve equity needs without touching a low first-lien rate. View Spring EQ Wholesale portfolio 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 portfolio 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 portfolio 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 portfolio guidelines Triad Financial Services — Triad Financial Services is a long-established manufactured housing lender offering land-home and chattel financing through partners. View Triad Financial Services portfolio guidelines 21st Mortgage Corporation — 21st Mortgage is a manufactured housing lender financing homes in parks, on leased land, and on owned land. View 21st Mortgage Corporation portfolio guidelines Flagstar Bank — Flagstar has one of the longest-running bank-owned TPO channels, combining agency and government delivery with bank portfolio jumbo products. View Flagstar Bank portfolio 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 portfolio 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 portfolio guidelines GreenBox Loans — GreenBox Loans is a wholesale non-QM lender with programs for self-employed, ITIN, and foreign national borrowers. View GreenBox Loans portfolio guidelines Northpointe Bank Wholesale — Northpointe Bank's mortgage division serves brokers and correspondents with agency, government, and bank portfolio products. View Northpointe Bank Wholesale portfolio guidelines Shellpoint Mortgage Servicing TPO — Shellpoint's TPO relationships support agency and government delivery with servicing retained by the Newrez family. View Shellpoint Mortgage Servicing TPO portfolio guidelines Unlock Technologies — Unlock offers home equity agreements rather than mortgage loans. Included because brokers frequently evaluate HEAs alongside second liens — confirm licensing and disclosure obligations in your state. View Unlock Technologies portfolio guidelines Point — Point provides home equity investments, an alternative to second-lien debt. Not a mortgage loan — verify how it is treated in your state before recommending it. View Point portfolio guidelines Solera National Bank — Solera National Bank operates a mortgage division with agency, portfolio, and commercial lending for partner originators. View Solera National Bank portfolio guidelines Bancorp Bank Wholesale — The Bancorp provides real estate bridge lending and specialty finance, primarily to institutional and commercial borrowers. View Bancorp Bank Wholesale portfolio guidelines Servbank — Servbank operates as a bank servicer and lending partner supporting third-party originators. View Servbank portfolio guidelines Lakeview Loan Servicing / Bayview TPO — Lakeview and Bayview support third-party originators with agency and government delivery plus second-lien products. View Lakeview Loan Servicing / Bayview TPO portfolio guidelines Onity Group (PHH) TPO — Onity Group, formerly Ocwen and parent of PHH and Liberty Reverse, supports forward and reverse third-party origination. View Onity Group (PHH) TPO portfolio guidelines Cornerstone Capital Bank — Cornerstone Capital Bank combines a bank balance sheet with mortgage lending, including construction and portfolio jumbo products. View Cornerstone Capital Bank portfolio guidelines Ridgewood Savings Bank — Ridgewood Savings Bank is a New York portfolio lender frequently used for co-op, mixed-use, and small multifamily scenarios agency lenders decline. View Ridgewood Savings Bank portfolio guidelines Alma Bank — Alma Bank is a New York community bank with portfolio mixed-use and commercial lending used by brokers on non-conforming metro scenarios. View Alma Bank portfolio guidelines Quorum Federal Credit Union — Quorum FCU offers portfolio mortgage and HELOC products including scenarios such as non-warrantable condos, through partner channels. View Quorum Federal Credit Union portfolio guidelines Third Federal Savings & Loan — Third Federal is a portfolio thrift known for competitive home equity lines and fixed second mortgages. View Third Federal Savings & Loan portfolio 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 portfolio guidelines Windsor Mortgage Solutions — Windsor Mortgage Solutions is the wholesale arm of a community bank platform, offering brokers agency and government products alongside portfolio flexibility. View Windsor Mortgage Solutions portfolio 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 portfolio 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 portfolio 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 portfolio guidelines Lake Michigan Credit Union Wholesale — Lake Michigan Credit Union's wholesale channel gives brokers access to credit-union jumbo and portfolio products with balance-sheet flexibility. View Lake Michigan Credit Union Wholesale portfolio 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 portfolio guidelines The Federal Savings Bank Wholesale — The Federal Savings Bank is a veteran-focused bank lender whose wholesale channel offers agency, government, and portfolio jumbo products. View The Federal Savings Bank Wholesale portfolio guidelines Huntington Wholesale Mortgage — Huntington Bank's wholesale mortgage channel gives brokers in its Midwest footprint access to bank agency and portfolio products. View Huntington Wholesale Mortgage portfolio guidelines Related pages Explore LoanOfficer.ai