Wholesale lenders for self-employed bank statement loans

When write-offs sink qualifying income on tax returns, a 12- or 24-month deposit program is usually the cleanest path. These lenders advertise bank statement qualification through the wholesale channel.

Matching wholesale lenders (40)

• United Wholesale Mortgage — Bank Statement, Pontiac, MI (source checked 2026-07-26)
• Kind Lending, LLC — Bank Statement, Santa Ana, CA (source checked 2026-07-26)
• OCMBC, Inc — Bank Statement, Irvine, CA (source checked 2026-07-26)
• Acra Lending — Bank Statement, Irvine, CA (source checked 2026-07-26)
• A&D Mortgage, LLC — Bank Statement, Fort Lauderdale, FL (source checked 2026-07-26)
• Orion Lending — Bank Statement, Orange, CA (source checked 2026-07-26)
• theLender — Bank Statement, Lake Forest, CA (source checked 2026-07-26)
• Change Lending — Bank Statement, Anaheim, CA (source checked 2026-07-26)
• Emporium TPO — Bank Statement, Frisco, TX (source checked 2026-07-26)
• American Heritage Lending — Bank Statement, Irvine, CA (source checked 2026-07-26)
• First National Bank of America — Bank Statement, East Lansing, MI (source checked 2026-07-26)
• Carrington Mortgage Services — Bank Statement, Anaheim, CA (source checked 2026-07-26)
• FundLoans — Bank Statement, San Diego, CA (source checked 2026-07-26)
• AmeriSave Wholesale Mortgage Solutions — Bank Statement, Atlanta, GA (source checked 2026-07-26)
• AmWest Funding — Bank Statement, Irvine, CA (source checked 2026-07-26)
• Angel Oak Mortgage Solutions — Bank Statement, Atlanta, GA (source checked 2026-07-26)
• Arc Home — Bank Statement, Mount Laurel, NJ (source checked 2026-07-26)
• Champions Funding — Bank Statement, Gilbert, AZ (source checked 2026-07-26)
• Citadel Servicing Corporation — Bank Statement, Irvine, CA (source checked 2026-07-26)
• ClearEdge Lending — Bank Statement, Irvine, CA (source checked 2026-07-26)
• Deephaven Mortgage — Bank Statement, Charlotte, NC (source checked 2026-07-26)
• Equity Prime Mortgage — Bank Statement, Atlanta, GA (source checked 2026-07-26)
• Excelerate Capital — Bank Statement, Irvine, CA (source checked 2026-07-26)
• Foundation Mortgage — Bank Statement, Miami Beach, FL (source checked 2026-07-26)
• GreenBox Loans — Bank Statement, Los Angeles, CA (source checked 2026-07-26)
• Griffin Funding — Bank Statement, San Diego, CA (source checked 2026-07-26)
• Hometown Equity Mortgage (HEM) — Bank Statement, Chesterfield, MO (source checked 2026-07-26)
• HomeXpress Mortgage — Bank Statement, Santa Ana, CA (source checked 2026-07-26)
• JMAC Lending — Bank Statement, Santa Ana, CA (source checked 2026-07-26)
• LendSure Mortgage Corp. — Bank Statement, San Diego, CA (source checked 2026-07-26)
• LoanStream Mortgage — Bank Statement, Irvine, CA (source checked 2026-07-26)
• Logan Finance — Bank Statement, Parsippany, NJ (source checked 2026-07-26)
• Luxury Mortgage Corp — Bank Statement, Stamford, CT (source checked 2026-07-26)
• Nations Direct Mortgage — Bank Statement, Lake Forest, CA (source checked 2026-07-26)
• Newfi Wholesale — Bank Statement, Emeryville, CA (source checked 2026-07-26)
• NQM Funding — Bank Statement, Fairfield, NJ (source checked 2026-07-26)
• Oaktree Funding — Bank Statement, Chandler, AZ (source checked 2026-07-26)
• Quontic Bank — Bank Statement, New York, NY (source checked 2026-07-26)
• Verus Mortgage Capital — Bank Statement, Washington, DC (source checked 2026-07-26)
• WestOne Lending — Bank Statement, Costa Mesa, CA (source checked 2026-07-26)

How to structure this scenario

• Business versus personal account deposits change the expense factor — ask for both scenarios.
• Some programs allow a CPA-prepared expense letter in place of a fixed factor.
• Compare the reserve requirement, which usually scales with loan amount and occupancy.

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