Wholesale lenders for HELOCs and closed-end seconds

Clients sitting on a 3% first lien will not refinance. A HELOC or fixed second extracts equity without touching that rate. These lenders advertise second-lien products in the wholesale channel.

Matching wholesale lenders (53)

• United Wholesale Mortgage — Closed-End Second, Pontiac, MI (source checked 2026-09-23)
• United Wholesale Mortgage — HELOC, Pontiac, MI (source checked 2026-09-23)
• Rocket Pro TPO — HELOC, Detroit, MI (source checked 2026-09-23)
• Rocket Pro TPO — Closed-End Second, Detroit, MI (source checked 2026-09-23)
• Pennymac — Closed-End Second, Westlake Village, CA (source checked 2026-09-23)
• Newrez LLC — Closed-End Second, Fort Washington, PA (source checked 2026-09-23)
• Plaza Home Mortgage, Inc. — Closed-End Second, San Diego, CA (source checked 2026-09-23)
• CMG Home Loans — HELOC, San Ramon, CA (source checked 2026-09-23)
• CMG Home Loans — Closed-End Second, San Ramon, CA (source checked 2026-09-23)
• theLender — Closed-End Second, Lake Forest, CA (source checked 2026-07-26)
• Allied Mortgage Group — HELOC, Not published by the lender (source checked 2026-08-07)
• Arizona Central Credit Union — HELOC, Not published by the lender (source checked 2026-08-07)
• Associated Bank Wholesale — HELOC, Not published by the lender (source checked 2026-08-07)
• Better Mortgage — HELOC, Not published by the lender (source checked 2026-08-07)
• Evergreen Home Loans — HELOC, Not published by the lender (source checked 2026-08-07)
• Figure Lending — HELOC, New York, NY (source checked 2026-07-26)
• Figure Lending — Closed-End Second, New York, NY (source checked 2026-07-26)
• Geneva Financial — HELOC, Not published by the lender (source checked 2026-08-07)
• Gershman Mortgage — HELOC, Not published by the lender (source checked 2026-08-07)
• Homepoint successor — The Loan Store partnership — HELOC, Tucson, AZ (source checked 2026-07-26)
• Hometap — Closed-End Second, Not published by the lender (source checked 2026-08-07)
• Huntington Wholesale Mortgage — HELOC, Columbus, OH (source checked 2026-07-26)
• Lake Michigan Credit Union Wholesale — HELOC, Grand Rapids, MI (source checked 2026-07-26)
• Lakeview Loan Servicing / Bayview TPO — Closed-End Second, Coral Gables, FL (source checked 2026-07-26)
• MiLEND — Closed-End Second, Atlanta, GA (source checked 2026-07-26)
• MiLEND — HELOC, Atlanta, GA (source checked 2026-07-26)
• New American Funding — HELOC, Not published by the lender (source checked 2026-08-07)
• NewFed Mortgage — HELOC, Not published by the lender (source checked 2026-08-07)
• Pinnacle Bank — HELOC, Not published by the lender (source checked 2026-08-07)
• Quorum Federal Credit Union — HELOC, Purchase, NY (source checked 2026-07-26)
• Rate (Guaranteed Rate) Wholesale — HELOC, Not published by the lender (source checked 2026-08-07)
• Ridge Lending Group — HELOC, Not published by the lender (source checked 2026-08-07)
• Seattle Bank — HELOC, Not published by the lender (source checked 2026-08-07)
• Security National Financial — HELOC, Not published by the lender (source checked 2026-08-07)
• Shore United Bank — HELOC, Not published by the lender (source checked 2026-08-07)
• Simmons Bank — HELOC, Not published by the lender (source checked 2026-08-07)
• Skyline Home Loans — HELOC, Not published by the lender (source checked 2026-08-07)
• Spring EQ Wholesale — HELOC, Conshohocken, PA (source checked 2026-07-26)
• Spring EQ Wholesale — Closed-End Second, Conshohocken, PA (source checked 2026-07-26)
• Summit Funding — HELOC, Not published by the lender (source checked 2026-08-07)
• Symmetry Lending — HELOC, Atlanta, GA (source checked 2026-07-26)
• Symmetry Lending — Closed-End Second, Atlanta, GA (source checked 2026-07-26)
• Synergy One Lending — HELOC, Not published by the lender (source checked 2026-08-07)
• The Loan Store — HELOC, Tucson, AZ (source checked 2026-07-26)
• The Loan Store — Closed-End Second, Tucson, AZ (source checked 2026-07-26)
• Third Federal Savings & Loan — HELOC, Cleveland, OH (source checked 2026-07-26)
• Third Federal Savings & Loan — Closed-End Second, Cleveland, OH (source checked 2026-07-26)
• Thrive Mortgage — HELOC, Not published by the lender (source checked 2026-08-07)
• Unison — Closed-End Second, Not published by the lender (source checked 2026-08-07)
• United Community Bank — HELOC, Not published by the lender (source checked 2026-08-07)
• US Bank Correspondent — HELOC, Not published by the lender (source checked 2026-08-07)
• Village Capital & Investment — HELOC, Not published by the lender (source checked 2026-08-07)
• Waterstone Mortgage — HELOC, Not published by the lender (source checked 2026-08-07)

How to structure this scenario

• Compare combined LTV caps — that, not the rate, usually decides the deal.
• Confirm whether investment occupancy is eligible and at what CLTV.
• Ask about draw period, teaser terms, and early-closure fees on lines of credit.

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

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