Wholesale lenders for non-warrantable condo financing

Litigation, high investor concentration, or a failed budget review pushes a condo out of agency eligibility. These directory lenders advertise non-agency or portfolio products that can consider those projects.

Matching wholesale lenders (191)

• United Wholesale Mortgage — Non-QM, Pontiac, MI (source checked 2026-07-26)
• Kind Lending, LLC — Non-QM, Santa Ana, CA (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. — Non-QM, San Diego, 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)
• Orion Lending — Non-QM, Orange, 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 — Portfolio, Dallas, TX (source checked 2026-07-26)
• NexBank — Non-QM, Dallas, TX (source checked 2026-07-26)
• Emporium TPO — Non-QM, Frisco, TX (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 — 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. — Non-QM, San Diego, 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)
• 5th Street Capital, Inc. — Non-QM, San Diego, CA (source checked 2026-09-14)
• AFR Wholesale — Non-QM, Mount Laurel, NJ (source checked 2026-07-26)
• Alliant Credit Union — Portfolio, Not published by the lender (source checked 2026-08-07)
• Allied Mortgage Group — Non-QM, Not published by the lender (source checked 2026-08-07)
• Alma Bank — Portfolio, Astoria, NY (source checked 2026-07-26)
• Ameris Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• AmeriSave Wholesale Mortgage Solutions — Non-QM, Atlanta, GA (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 — Non-QM, Mount Laurel, NJ (source checked 2026-07-26)
• Arizona Central Credit Union — Portfolio, Not published by the lender (source checked 2026-08-07)
• Associated Bank Wholesale — Portfolio, Not published by the lender (source checked 2026-08-07)
• Assurance Financial — Non-QM, Not published by the lender (source checked 2026-08-07)
• 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 — Non-QM, England, AR (source checked 2026-07-26)
• Bank of England Mortgage Wholesale — Portfolio, England, AR (source checked 2026-07-26)
• BayFirst National Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Beeline Loans — Non-QM, Not published by the lender (source checked 2026-08-07)
• Bell Bank Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• BluePoint Mortgage — Non-QM, Not published by the lender (source checked 2026-08-07)
• Bridgewater Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Cadence Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• CalPrivate Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Cambridge Savings Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• 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)
• Citizens Bank Wholesale — Portfolio, Not published by the lender (source checked 2026-08-07)
• 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)
• Colony Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Cornerstone Capital Bank — Portfolio, Houston, TX (source checked 2026-07-26)
• Cross River Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• CrossCountry Mortgage Wholesale — Non-QM, Cleveland, OH (source checked 2026-07-26)
• Customers Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Deephaven Mortgage — Non-QM, Charlotte, NC (source checked 2026-07-26)
• East West Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Emigrant Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• Equity Prime Mortgage — Non-QM, Atlanta, GA (source checked 2026-07-26)
• Excelerate Capital — Non-QM, Irvine, CA (source checked 2026-07-26)
• FFB Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• First Guaranty Mortgage — Non-QM, Not published by the lender (source checked 2026-08-07)
• First Horizon Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• First Internet Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• FirstBank Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• Flagstar Bank — Portfolio, Hicksville, NY (source checked 2026-07-26)
• Foundation Mortgage — Non-QM, Miami Beach, FL (source checked 2026-07-26)
• GCA Lending — Non-QM, Miami Lakes, FL (source checked 2026-09-14)
• GIANT Lending — Non-QM, Costa Mesa, CA (source checked 2026-09-14)
• GreenBox Loans — Non-QM, Los Angeles, CA (source checked 2026-07-26)
• GreenBox Loans — Portfolio, Los Angeles, CA (source checked 2026-07-26)
• Greenstate Credit Union — Portfolio, Not published by the lender (source checked 2026-08-07)
• Griffin Funding — Non-QM, San Diego, CA (source checked 2026-07-26)
• HarborOne Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• HomeSpring Mortgage — Non-QM, Not published by the lender (source checked 2026-08-07)
• Hometown Equity Mortgage (HEM) — Non-QM, Chesterfield, MO (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 — Portfolio, Columbus, OH (source checked 2026-07-26)
• Hurst Lending — Portfolio, Not published by the lender (source checked 2026-08-07)
• Idaho Central Credit Union — Portfolio, Not published by the lender (source checked 2026-08-07)
• Independent Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Inland Bank Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• Jet Direct Mortgage — Non-QM, Not published by the lender (source checked 2026-08-07)
• Jet Mortgage — Non-QM, Santa Ana, CA (source checked 2026-09-14)
• 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)
• Lakeland Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Lakeview Loan Servicing / Bayview TPO — Portfolio, Coral Gables, FL (source checked 2026-07-26)
• LendingOne — Portfolio, Boca Raton, FL (source checked 2026-07-26)
• LendSure Mortgage Corp — Non-QM, Not published by the lender (source checked 2026-08-07)
• LendSure Mortgage Corp. — Non-QM, San Diego, CA (source checked 2026-07-26)
• Lendz Financial — Non-QM, Not published by the lender (source checked 2026-08-07)
• Liberty Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Loanhouse Mortgage Capital, Inc. — Non-QM, Fort Lauderdale, FL (source checked 2026-09-14)
• LoanStream Mortgage — Non-QM, Irvine, CA (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)
• M&T Bank Correspondent — Portfolio, Not published by the lender (source checked 2026-08-07)
• Mega Capital Funding — Non-QM, Calabasas, CA (source checked 2026-07-26)
• Merchants Bank of Indiana — Portfolio, Not published by the lender (source checked 2026-08-07)
• Metro City Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Metro City Bank — Non-QM, Not published by the lender (source checked 2026-08-07)
• MidFirst Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• MortgageRight Wholesale — Non-QM, Birmingham, AL (source checked 2026-07-26)
• Nano Banc — Portfolio, Not published by the lender (source checked 2026-08-07)
• Nations Direct Mortgage — Non-QM, Lake Forest, CA (source checked 2026-07-26)
• NBKC Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• New American Funding — Non-QM, Not published by the lender (source checked 2026-08-07)
• New Wave Lending Group — Non-QM, Not published by the lender (source checked 2026-08-07)
• Newfi Wholesale — Non-QM, Emeryville, CA (source checked 2026-07-26)
• North American Savings Bank — Non-QM, Not published by the lender (source checked 2026-08-07)
• North American Savings Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• North Easton Savings Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Northern Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Northpointe Bank Wholesale — Portfolio, Grand Rapids, MI (source checked 2026-07-26)
• Novus Home Mortgage — Non-QM, Not published by the lender (source checked 2026-08-07)
• NQM Funding — Non-QM, Fairfield, NJ (source checked 2026-07-26)
• Oaktree Funding — Non-QM, Chandler, AZ (source checked 2026-07-26)
• Ohio Valley Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Onity Group (PHH) TPO — Portfolio, West Palm Beach, FL (source checked 2026-07-26)
• Pacific Premier Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Peoples Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Peoples Bank — Non-QM, Not published by the lender (source checked 2026-08-07)
• Pinnacle Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Point — Portfolio, Palo Alto, CA (source checked 2026-07-26)
• Presidential Bank Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• Prime Choice Funding — Non-QM, Not published by the lender (source checked 2026-08-07)
• 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)
• Republic Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Ridge Lending Group — Non-QM, Not published by the lender (source checked 2026-08-07)
• Ridgewood Savings Bank — Portfolio, Queens, NY (source checked 2026-07-26)
• S&T Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Sandy Spring Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Seattle Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Servbank — Portfolio, Tempe, AZ (source checked 2026-07-26)
• Shellpoint Mortgage Servicing TPO — Portfolio, Greenville, SC (source checked 2026-07-26)
• Shore United Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Silver Hill Funding — Portfolio, Coral Gables, FL (source checked 2026-07-26)
• Simmons Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Solera National Bank — Portfolio, Lakewood, CO (source checked 2026-07-26)
• South State Bank Correspondent — Portfolio, Not published by the lender (source checked 2026-08-07)
• Southern First Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Spring EQ Wholesale — Portfolio, Conshohocken, PA (source checked 2026-07-26)
• Sterling Bank & Trust — Portfolio, Not published by the lender (source checked 2026-08-07)
• Sterling Bank & Trust — Non-QM, Not published by the lender (source checked 2026-08-07)
• Success Mortgage Partners — Non-QM, Not published by the lender (source checked 2026-08-07)
• Sun West Mortgage Company — Non-QM, Cerritos, CA (source checked 2026-07-26)
• TD Bank Correspondent — Portfolio, Not published by the lender (source checked 2026-08-07)
• 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)
• Texana Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• The Federal Savings Bank Wholesale — Portfolio, Chicago, IL (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 — Non-QM, Troy, MI (source checked 2026-07-26)
• Triad Financial Services — Portfolio, Jacksonville, FL (source checked 2026-07-26)
• Truist Correspondent — Portfolio, Not published by the lender (source checked 2026-08-07)
• Trustco Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• United Community Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Univest Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Unlock Technologies — Portfolio, Tempe, AZ (source checked 2026-07-26)
• US Bank Correspondent — Portfolio, Not published by the lender (source checked 2026-08-07)
• Vantage Bank Texas — Portfolio, Not published by the lender (source checked 2026-08-07)
• 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)
• Waterstone Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)
• Wells Fargo Correspondent — Portfolio, Not published by the lender (source checked 2026-08-07)
• Western Alliance Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• WestOne Lending — Non-QM, Costa Mesa, CA (source checked 2026-07-26)
• Willamette Valley Bank — Portfolio, Not published by the lender (source checked 2026-08-07)
• Wilmington Savings (WSFS) — Portfolio, Not published by the lender (source checked 2026-08-07)
• Windsor Mortgage Solutions — Portfolio, Overland Park, KS (source checked 2026-07-26)
• Wintrust Mortgage — Portfolio, Not published by the lender (source checked 2026-08-07)

How to structure this scenario

• Send the condo questionnaire and budget up front — the project, not the borrower, is the decision.
• Confirm what specifically is waived: investor concentration, single-entity ownership, or litigation type.
• Expect an LTV reduction versus a warrantable project on the same borrower profile.

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.

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