Wholesale lenders for borrowers after a recent credit event

Non-agency and portfolio lenders price seasoning rather than requiring the full agency waiting period. These directory lenders advertise programs that consider recent credit events.

Matching wholesale lenders (257)

• United Wholesale Mortgage — FHA, Pontiac, MI (source checked 2026-07-26)
• United Wholesale Mortgage — VA, Pontiac, MI (source checked 2026-07-26)
• United Wholesale Mortgage — Non-QM, Pontiac, MI (source checked 2026-07-26)
• Rocket Pro TPO — FHA, Detroit, MI (source checked 2026-07-26)
• Rocket Pro TPO — VA, Detroit, MI (source checked 2026-07-26)
• Pennymac — FHA, Westlake Village, CA (source checked 2026-07-26)
• Pennymac — VA, Westlake Village, CA (source checked 2026-07-26)
• Kind Lending, LLC — FHA, Santa Ana, CA (source checked 2026-07-26)
• Kind Lending, LLC — VA, Santa Ana, CA (source checked 2026-07-26)
• Kind Lending, LLC — Non-QM, Santa Ana, CA (source checked 2026-07-26)
• Newrez LLC — FHA, Fort Washington, PA (source checked 2026-07-26)
• Newrez LLC — VA, Fort Washington, PA (source checked 2026-07-26)
• Newrez LLC — Non-QM, Fort Washington, PA (source checked 2026-07-26)
• OCMBC, Inc — Non-QM, Irvine, CA (source checked 2026-07-26)
• Plaza Home Mortgage, Inc. — FHA, San Diego, CA (source checked 2026-07-26)
• Plaza Home Mortgage, Inc. — VA, San Diego, CA (source checked 2026-07-26)
• Plaza Home Mortgage, Inc. — Non-QM, San Diego, CA (source checked 2026-07-26)
• Paramount Residential Mortgage Group — FHA, Corona, CA (source checked 2026-07-26)
• Paramount Residential Mortgage Group — VA, Corona, CA (source checked 2026-07-26)
• Paramount Residential Mortgage Group — Non-QM, Corona, CA (source checked 2026-07-26)
• Acra Lending — Non-QM, Irvine, CA (source checked 2026-07-26)
• Acra Lending — Portfolio, Irvine, CA (source checked 2026-07-26)
• A&D Mortgage, LLC — Non-QM, Fort Lauderdale, FL (source checked 2026-07-26)
• A&D Mortgage, LLC — FHA, Fort Lauderdale, FL (source checked 2026-07-26)
• A&D Mortgage, LLC — VA, Fort Lauderdale, FL (source checked 2026-07-26)
• CMG Home Loans — FHA, San Ramon, CA (source checked 2026-07-26)
• CMG Home Loans — VA, San Ramon, CA (source checked 2026-07-26)
• Orion Lending — FHA, Orange, CA (source checked 2026-07-26)
• Orion Lending — VA, Orange, CA (source checked 2026-07-26)
• Orion Lending — Non-QM, Orange, CA (source checked 2026-07-26)
• theLender — FHA, Lake Forest, CA (source checked 2026-07-26)
• theLender — VA, Lake Forest, CA (source checked 2026-07-26)
• theLender — Non-QM, Lake Forest, CA (source checked 2026-07-26)
• Change Lending — Non-QM, Anaheim, CA (source checked 2026-07-26)
• Change Lending — Portfolio, Anaheim, CA (source checked 2026-07-26)
• NexBank — FHA, Dallas, TX (source checked 2026-07-26)
• NexBank — VA, Dallas, TX (source checked 2026-07-26)
• NexBank — Portfolio, Dallas, TX (source checked 2026-07-26)
• NexBank — Non-QM, Dallas, TX (source checked 2026-07-26)
• Emporium TPO — FHA, Frisco, TX (source checked 2026-07-26)
• Emporium TPO — VA, Frisco, TX (source checked 2026-07-26)
• Emporium TPO — Non-QM, Frisco, TX (source checked 2026-07-26)
• First Community Mortgage — FHA, Murfreesboro, TN (source checked 2026-07-26)
• First Community Mortgage — VA, Murfreesboro, TN (source checked 2026-07-26)
• American Heritage Lending — Non-QM, Irvine, CA (source checked 2026-07-26)
• American Heritage Lending — Portfolio, Irvine, CA (source checked 2026-07-26)
• First National Bank of America — Non-QM, East Lansing, MI (source checked 2026-07-26)
• First National Bank of America — Portfolio, East Lansing, MI (source checked 2026-07-26)
• Carrington Mortgage Services — FHA, Anaheim, CA (source checked 2026-07-26)
• Carrington Mortgage Services — VA, Anaheim, CA (source checked 2026-07-26)
• Carrington Mortgage Services — Non-QM, Anaheim, CA (source checked 2026-07-26)
• Carrington Mortgage Services — Portfolio, Anaheim, CA (source checked 2026-07-26)
• FundLoans — Non-QM, San Diego, CA (source checked 2026-07-26)
• Mutual of Omaha Mortgage, Inc. — FHA, San Diego, CA (source checked 2026-07-26)
• Mutual of Omaha Mortgage, Inc. — VA, San Diego, CA (source checked 2026-07-26)
• Mutual of Omaha Mortgage, Inc. — Non-QM, San Diego, CA (source checked 2026-07-26)
• Price Mortgage, LLC — FHA, Gilbert, AZ (source checked 2026-07-26)
• Price Mortgage, LLC — VA, Gilbert, AZ (source checked 2026-07-26)
• FBC Mortgage, LLC — FHA, Orlando, FL (source checked 2026-07-26)
• FBC Mortgage, LLC — VA, Orlando, FL (source checked 2026-07-26)
• Ameritrust Mortgage Corp. — FHA, Tustin, CA (source checked 2026-07-26)
• Ameritrust Mortgage Corp. — VA, Tustin, CA (source checked 2026-07-26)
• Ameritrust Mortgage Corp. — Non-QM, Tustin, CA (source checked 2026-07-26)
• 21st Mortgage Corporation — Portfolio, Knoxville, TN (source checked 2026-07-26)
• AFR Wholesale — FHA, Mount Laurel, NJ (source checked 2026-07-26)
• AFR Wholesale — VA, Mount Laurel, NJ (source checked 2026-07-26)
• AFR Wholesale — Non-QM, Mount Laurel, NJ (source checked 2026-07-26)
• Alma Bank — Portfolio, Astoria, NY (source checked 2026-07-26)
• AmeriSave Wholesale Mortgage Solutions — FHA, Atlanta, GA (source checked 2026-07-26)
• AmeriSave Wholesale Mortgage Solutions — VA, Atlanta, GA (source checked 2026-07-26)
• AmeriSave Wholesale Mortgage Solutions — Non-QM, Atlanta, GA (source checked 2026-07-26)
• AmWest Funding — FHA, Irvine, CA (source checked 2026-07-26)
• AmWest Funding — VA, Irvine, CA (source checked 2026-07-26)
• AmWest Funding — Non-QM, Irvine, CA (source checked 2026-07-26)
• Angel Oak Mortgage Solutions — Non-QM, Atlanta, GA (source checked 2026-07-26)
• Angel Oak Mortgage Solutions — Portfolio, Atlanta, GA (source checked 2026-07-26)
• Arc Home — FHA, Mount Laurel, NJ (source checked 2026-07-26)
• Arc Home — VA, Mount Laurel, NJ (source checked 2026-07-26)
• Arc Home — Non-QM, Mount Laurel, NJ (source checked 2026-07-26)
• Atlantic Bay Mortgage Group Wholesale — FHA, Virginia Beach, VA (source checked 2026-07-26)
• Atlantic Bay Mortgage Group Wholesale — VA, Virginia Beach, VA (source checked 2026-07-26)
• Axos Bank — Portfolio, San Diego, CA (source checked 2026-07-26)
• Axos Bank — Non-QM, San Diego, CA (source checked 2026-07-26)
• Bancorp Bank Wholesale — Portfolio, Wilmington, DE (source checked 2026-07-26)
• Bank of England Mortgage Wholesale — FHA, England, AR (source checked 2026-07-26)
• Bank of England Mortgage Wholesale — VA, England, AR (source checked 2026-07-26)
• Bank of England Mortgage Wholesale — Non-QM, England, AR (source checked 2026-07-26)
• Bank of England Mortgage Wholesale — Portfolio, England, AR (source checked 2026-07-26)
• Cardinal Financial — FHA, Charlotte, NC (source checked 2026-07-26)
• Cardinal Financial — VA, Charlotte, NC (source checked 2026-07-26)
• Cardinal Financial — Non-QM, Charlotte, NC (source checked 2026-07-26)
• Carrington Investor Advantage — Portfolio, Anaheim, CA (source checked 2026-07-26)
• Champions Funding — Non-QM, Gilbert, AZ (source checked 2026-07-26)
• Citadel Servicing Corporation — Non-QM, Irvine, CA (source checked 2026-07-26)
• Citadel Servicing Corporation — Portfolio, Irvine, CA (source checked 2026-07-26)
• Citywide Home Loans — FHA, Sandy, UT (source checked 2026-07-26)
• Citywide Home Loans — VA, Sandy, UT (source checked 2026-07-26)
• Civic Financial Services — Portfolio, Redondo Beach, CA (source checked 2026-07-26)
• ClearEdge Lending — Non-QM, Irvine, CA (source checked 2026-07-26)
• ClearEdge Lending — Portfolio, Irvine, CA (source checked 2026-07-26)
• Click n' Close — FHA, Addison, TX (source checked 2026-07-26)
• Click n' Close — VA, Addison, TX (source checked 2026-07-26)
• Cornerstone Capital Bank — FHA, Houston, TX (source checked 2026-07-26)
• Cornerstone Capital Bank — VA, Houston, TX (source checked 2026-07-26)
• Cornerstone Capital Bank — Portfolio, Houston, TX (source checked 2026-07-26)
• CrossCountry Mortgage Wholesale — FHA, Cleveland, OH (source checked 2026-07-26)
• CrossCountry Mortgage Wholesale — VA, Cleveland, OH (source checked 2026-07-26)
• CrossCountry Mortgage Wholesale — Non-QM, Cleveland, OH (source checked 2026-07-26)
• Deephaven Mortgage — Non-QM, Charlotte, NC (source checked 2026-07-26)
• Equity Prime Mortgage — FHA, Atlanta, GA (source checked 2026-07-26)
• Equity Prime Mortgage — VA, Atlanta, GA (source checked 2026-07-26)
• Equity Prime Mortgage — Non-QM, Atlanta, GA (source checked 2026-07-26)
• Excelerate Capital — Non-QM, Irvine, CA (source checked 2026-07-26)
• First Colony Mortgage TPO — FHA, Provo, UT (source checked 2026-07-26)
• First Colony Mortgage TPO — VA, Provo, UT (source checked 2026-07-26)
• First Federal Bank TPO — FHA, Lake City, FL (source checked 2026-07-26)
• First Federal Bank TPO — VA, Lake City, FL (source checked 2026-07-26)
• First Savings Bank Wholesale — FHA, Jeffersonville, IN (source checked 2026-07-26)
• First Savings Bank Wholesale — VA, Jeffersonville, IN (source checked 2026-07-26)
• Flagstar Bank — FHA, Hicksville, NY (source checked 2026-07-26)
• Flagstar Bank — VA, Hicksville, NY (source checked 2026-07-26)
• Flagstar Bank — Portfolio, Hicksville, NY (source checked 2026-07-26)
• Foundation Mortgage — Non-QM, Miami Beach, FL (source checked 2026-07-26)
• Freedom Mortgage TPO — FHA, Boca Raton, FL (source checked 2026-07-26)
• Freedom Mortgage TPO — VA, Boca Raton, FL (source checked 2026-07-26)
• Gateway First Bank TPO — FHA, Jenks, OK (source checked 2026-07-26)
• Gateway First Bank TPO — VA, Jenks, OK (source checked 2026-07-26)
• GMFS Mortgage LLC — FHA, Baton Rouge, LA (source checked 2026-07-26)
• GMFS Mortgage LLC — VA, Baton Rouge, LA (source checked 2026-07-26)
• GO Mortgage TPO — FHA, Columbus, OH (source checked 2026-07-26)
• GO Mortgage TPO — VA, Columbus, OH (source checked 2026-07-26)
• GreenBox Loans — Non-QM, Los Angeles, CA (source checked 2026-07-26)
• GreenBox Loans — Portfolio, Los Angeles, CA (source checked 2026-07-26)
• Griffin Funding — Non-QM, San Diego, CA (source checked 2026-07-26)
• Griffin Funding — VA, San Diego, CA (source checked 2026-07-26)
• Guild Mortgage Wholesale — FHA, San Diego, CA (source checked 2026-07-26)
• Guild Mortgage Wholesale — VA, San Diego, CA (source checked 2026-07-26)
• Hancock Mortgage Partners — FHA, Houston, TX (source checked 2026-07-26)
• Hancock Mortgage Partners — VA, Houston, TX (source checked 2026-07-26)
• Homepoint successor — The Loan Store partnership — FHA, Tucson, AZ (source checked 2026-07-26)
• Homepoint successor — The Loan Store partnership — VA, Tucson, AZ (source checked 2026-07-26)
• Hometown Equity Mortgage (HEM) — Non-QM, Chesterfield, MO (source checked 2026-07-26)
• HomeTrust Mortgage — FHA, Houston, TX (source checked 2026-07-26)
• HomeTrust Mortgage — VA, Houston, TX (source checked 2026-07-26)
• HomeXpress Mortgage — Non-QM, Santa Ana, CA (source checked 2026-07-26)
• HomeXpress Mortgage — Portfolio, Santa Ana, CA (source checked 2026-07-26)
• Huntington Wholesale Mortgage — FHA, Columbus, OH (source checked 2026-07-26)
• Huntington Wholesale Mortgage — VA, Columbus, OH (source checked 2026-07-26)
• Huntington Wholesale Mortgage — Portfolio, Columbus, OH (source checked 2026-07-26)
• JMAC Lending — FHA, Santa Ana, CA (source checked 2026-07-26)
• JMAC Lending — VA, Santa Ana, CA (source checked 2026-07-26)
• JMAC Lending — Non-QM, Santa Ana, CA (source checked 2026-07-26)
• Lake Michigan Credit Union Wholesale — Portfolio, Grand Rapids, MI (source checked 2026-07-26)
• Lakeview Loan Servicing / Bayview TPO — FHA, Coral Gables, FL (source checked 2026-07-26)
• Lakeview Loan Servicing / Bayview TPO — VA, Coral Gables, FL (source checked 2026-07-26)
• Lakeview Loan Servicing / Bayview TPO — Portfolio, Coral Gables, FL (source checked 2026-07-26)
• Land Home Financial Services Wholesale — FHA, Concord, CA (source checked 2026-07-26)
• Land Home Financial Services Wholesale — VA, Concord, CA (source checked 2026-07-26)
• LendingOne — Portfolio, Boca Raton, FL (source checked 2026-07-26)
• LendSure Mortgage Corp. — Non-QM, San Diego, CA (source checked 2026-07-26)
• Loan Simple Wholesale — FHA, Centennial, CO (source checked 2026-07-26)
• Loan Simple Wholesale — VA, Centennial, CO (source checked 2026-07-26)
• LoanStream Mortgage — FHA, Irvine, CA (source checked 2026-07-26)
• LoanStream Mortgage — VA, Irvine, CA (source checked 2026-07-26)
• LoanStream Mortgage — Non-QM, Irvine, CA (source checked 2026-07-26)
• LoanUnited Wholesale — FHA, Boca Raton, FL (source checked 2026-07-26)
• LoanUnited Wholesale — VA, Boca Raton, FL (source checked 2026-07-26)
• LoanUnited Wholesale — Non-QM, Boca Raton, FL (source checked 2026-07-26)
• Logan Finance — Non-QM, Parsippany, NJ (source checked 2026-07-26)
• Luxury Mortgage Corp — Non-QM, Stamford, CT (source checked 2026-07-26)
• Mega Capital Funding — FHA, Calabasas, CA (source checked 2026-07-26)
• Mega Capital Funding — VA, Calabasas, CA (source checked 2026-07-26)
• Mega Capital Funding — Non-QM, Calabasas, CA (source checked 2026-07-26)
• Midwest Equity Mortgage — FHA, Oakbrook Terrace, IL (source checked 2026-07-26)
• Midwest Equity Mortgage — VA, Oakbrook Terrace, IL (source checked 2026-07-26)
• MiLEND — FHA, Atlanta, GA (source checked 2026-07-26)
• MiLEND — VA, Atlanta, GA (source checked 2026-07-26)
• Mortgage Equity Partners — FHA, Danvers, MA (source checked 2026-07-26)
• Mortgage Equity Partners — VA, Danvers, MA (source checked 2026-07-26)
• Mortgage Financial Services — FHA, Flower Mound, TX (source checked 2026-07-26)
• Mortgage Financial Services — VA, Flower Mound, TX (source checked 2026-07-26)
• Mortgage Solutions Financial — FHA, Colorado Springs, CO (source checked 2026-07-26)
• Mortgage Solutions Financial — VA, Colorado Springs, CO (source checked 2026-07-26)
• MortgageRight Wholesale — FHA, Birmingham, AL (source checked 2026-07-26)
• MortgageRight Wholesale — VA, Birmingham, AL (source checked 2026-07-26)
• MortgageRight Wholesale — Non-QM, Birmingham, AL (source checked 2026-07-26)
• Movement Mortgage TPO — FHA, Indian Land, SC (source checked 2026-07-26)
• Movement Mortgage TPO — VA, Indian Land, SC (source checked 2026-07-26)
• Nations Direct Mortgage — FHA, Lake Forest, CA (source checked 2026-07-26)
• Nations Direct Mortgage — VA, Lake Forest, CA (source checked 2026-07-26)
• Nations Direct Mortgage — Non-QM, Lake Forest, CA (source checked 2026-07-26)
• Newfi Wholesale — Non-QM, Emeryville, CA (source checked 2026-07-26)
• Northpointe Bank Wholesale — FHA, Grand Rapids, MI (source checked 2026-07-26)
• Northpointe Bank Wholesale — VA, Grand Rapids, MI (source checked 2026-07-26)
• Northpointe Bank Wholesale — Portfolio, Grand Rapids, MI (source checked 2026-07-26)
• NQM Funding — Non-QM, Fairfield, NJ (source checked 2026-07-26)
• Oaktree Funding — Non-QM, Chandler, AZ (source checked 2026-07-26)
• Onity Group (PHH) TPO — FHA, West Palm Beach, FL (source checked 2026-07-26)
• Onity Group (PHH) TPO — VA, West Palm Beach, FL (source checked 2026-07-26)
• Onity Group (PHH) TPO — Portfolio, West Palm Beach, FL (source checked 2026-07-26)
• Pacific Residential Mortgage — FHA, Lake Oswego, OR (source checked 2026-07-26)
• Pacific Residential Mortgage — VA, Lake Oswego, OR (source checked 2026-07-26)
• Planet Home Lending — FHA, Meriden, CT (source checked 2026-07-26)
• Planet Home Lending — VA, Meriden, CT (source checked 2026-07-26)
• Point — Portfolio, Palo Alto, CA (source checked 2026-07-26)
• Prosperity Home Mortgage — FHA, Chantilly, VA (source checked 2026-07-26)
• Prosperity Home Mortgage — VA, Chantilly, VA (source checked 2026-07-26)
• Quontic Bank — Non-QM, New York, NY (source checked 2026-07-26)
• Quontic Bank — Portfolio, New York, NY (source checked 2026-07-26)
• Quorum Federal Credit Union — Portfolio, Purchase, NY (source checked 2026-07-26)
• REMN Wholesale — FHA, Iselin, NJ (source checked 2026-07-26)
• REMN Wholesale — VA, Iselin, NJ (source checked 2026-07-26)
• Ridgewood Savings Bank — Portfolio, Queens, NY (source checked 2026-07-26)
• Servbank — FHA, Tempe, AZ (source checked 2026-07-26)
• Servbank — VA, Tempe, AZ (source checked 2026-07-26)
• Servbank — Portfolio, Tempe, AZ (source checked 2026-07-26)
• Shellpoint Mortgage Servicing TPO — FHA, Greenville, SC (source checked 2026-07-26)
• Shellpoint Mortgage Servicing TPO — VA, Greenville, SC (source checked 2026-07-26)
• Shellpoint Mortgage Servicing TPO — Portfolio, Greenville, SC (source checked 2026-07-26)
• Sierra Pacific Mortgage — FHA, Folsom, CA (source checked 2026-07-26)
• Sierra Pacific Mortgage — VA, Folsom, CA (source checked 2026-07-26)
• Silver Hill Funding — Portfolio, Coral Gables, FL (source checked 2026-07-26)
• Solera National Bank — FHA, Lakewood, CO (source checked 2026-07-26)
• Solera National Bank — VA, Lakewood, CO (source checked 2026-07-26)
• Solera National Bank — Portfolio, Lakewood, CO (source checked 2026-07-26)
• Spring EQ Wholesale — Portfolio, Conshohocken, PA (source checked 2026-07-26)
• Sun West Mortgage Company — FHA, Cerritos, CA (source checked 2026-07-26)
• Sun West Mortgage Company — VA, Cerritos, CA (source checked 2026-07-26)
• Sun West Mortgage Company — Non-QM, Cerritos, CA (source checked 2026-07-26)
• Supreme Lending — FHA, Dallas, TX (source checked 2026-07-26)
• Supreme Lending — VA, Dallas, TX (source checked 2026-07-26)
• Templeton Financial Services — Non-QM, Newport Beach, CA (source checked 2026-07-26)
• Templeton Financial Services — Portfolio, Newport Beach, CA (source checked 2026-07-26)
• The Federal Savings Bank Wholesale — FHA, Chicago, IL (source checked 2026-07-26)
• The Federal Savings Bank Wholesale — VA, Chicago, IL (source checked 2026-07-26)
• The Federal Savings Bank Wholesale — Portfolio, Chicago, IL (source checked 2026-07-26)
• The Loan Store — FHA, Tucson, AZ (source checked 2026-07-26)
• The Loan Store — VA, Tucson, AZ (source checked 2026-07-26)
• The Loan Store — Non-QM, Tucson, AZ (source checked 2026-07-26)
• Third Federal Savings & Loan — Portfolio, Cleveland, OH (source checked 2026-07-26)
• Towne Mortgage Company TPO — FHA, Troy, MI (source checked 2026-07-26)
• Towne Mortgage Company TPO — VA, Troy, MI (source checked 2026-07-26)
• Towne Mortgage Company TPO — Non-QM, Troy, MI (source checked 2026-07-26)
• Triad Financial Services — Portfolio, Jacksonville, FL (source checked 2026-07-26)
• Union Home Mortgage — FHA, Strongsville, OH (source checked 2026-07-26)
• Union Home Mortgage — VA, Strongsville, OH (source checked 2026-07-26)
• Unlock Technologies — Portfolio, Tempe, AZ (source checked 2026-07-26)
• V.I.P. Mortgage, Inc. — FHA, Scottsdale, AZ (source checked 2026-07-26)
• V.I.P. Mortgage, Inc. — VA, Scottsdale, AZ (source checked 2026-07-26)
• Velocity Mortgage Capital — Portfolio, Westlake Village, CA (source checked 2026-07-26)
• Verus Mortgage Capital — Non-QM, Washington, DC (source checked 2026-07-26)
• Verus Mortgage Capital — Portfolio, Washington, DC (source checked 2026-07-26)
• Visio Lending — Portfolio, Austin, TX (source checked 2026-07-26)
• WestOne Lending — Non-QM, Costa Mesa, CA (source checked 2026-07-26)
• Windsor Mortgage Solutions — FHA, Overland Park, KS (source checked 2026-07-26)
• Windsor Mortgage Solutions — VA, Overland Park, KS (source checked 2026-07-26)
• Windsor Mortgage Solutions — Portfolio, Overland Park, KS (source checked 2026-07-26)

How to structure this scenario

• Seasoning is measured from discharge or transfer date — get the exact date before quoting.
• Expect LTV tiers by months of seasoning rather than a hard decline.
• Reserves and a clean 12- to 24-month housing history carry heavy weight.

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.

Wholesale program search · Wholesale Lender Directory