Point portfolio wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
Point (Palo Alto, CA) advertises Portfolio lending to mortgage brokers. 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.
Point is headquartered in Palo Alto, CA and publishes a publishes a multi-state broker footprint broker footprint. Its public broker materials referenced portfolio lending when we last checked them on 2026-07-26, alongside 0 other advertised product types in this directory. Point does not publish a comparable wholesale-only production figure, so no volume is shown on this page.
Balance-sheet lending with lender-set guidelines and no agency delivery, commonly used for scenarios agency automated findings decline. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 85% LTV, on loan amounts between $75K and $5M, with DTI capped near 50%. Accepted documentation typically includes full doc, bank statement, dscr / cash flow, asset depletion, with primary residence, second home, investment property occupancy and single family, warrantable condo, 2-4 unit, 5+ unit / multifamily, non-warrantable condo, mixed use property types in scope. Those parameters describe the channel, not Point's own matrix — pull the current guideline from the lender before you quote.
Point's own positioning notes are: Home equity investment (not a loan). Those are lender-published claims, checked 2026-07-26. What matters on a portfolio submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from Point directly, and none of them are published here.
Yes. Point's public broker materials referenced portfolio lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by Point, not by this directory — start at its point official website and confirm current requirements.
Point does not publish its portfolio matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 85% LTV, with DTI to roughly 50%. 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 $75K and $5M, using full doc, bank statement, dscr / cash flow, asset depletion documentation on primary residence, second home, investment property occupancy. Point may sit tighter or looser than that range on any single field.
From Point directly — its point official website is linked in every source column on this page. Point does not appear in the published wholesale volume ranking we reference, which is a reporting gap rather than a quality signal.
Point lender profile · All Portfolio wholesale lenders · Program search · Wholesale lender rankings