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 (54)
- United Wholesale Mortgage — Bank Statement, Pontiac, MI (source checked 2026-09-23)
- Kind Lending, LLC — Bank Statement, Santa Ana, CA (source checked 2026-09-23)
- OCMBC, Inc — Bank Statement, Irvine, CA (source checked 2026-09-23)
- Acra Lending — Bank Statement, Irvine, CA (source checked 2026-09-23)
- A&D Mortgage, LLC — Bank Statement, Fort Lauderdale, FL (source checked 2026-09-23)
- Orion Lending — Bank Statement, Orange, CA (source checked 2026-09-23)
- 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)
- 5th Street Capital, Inc. — Bank Statement, San Diego, CA (source checked 2026-09-14)
- 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)
- Beeline Loans — Bank Statement, Not published by the lender (source checked 2026-08-07)
- BluePoint Mortgage — Bank Statement, Not published by the lender (source checked 2026-08-07)
- Certain Lending — Bank Statement, Not published by the lender (source checked 2026-08-07)
- 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)
- GIANT Lending — Bank Statement, Costa Mesa, CA (source checked 2026-09-14)
- GreenBox Loans — Bank Statement, Los Angeles, CA (source checked 2026-07-26)
- Griffin Funding — Bank Statement, San Diego, CA (source checked 2026-07-26)
- HomeSpring Mortgage — Bank Statement, Not published by the lender (source checked 2026-08-07)
- 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)
- Jet Direct Mortgage — Bank Statement, Not published by the lender (source checked 2026-08-07)
- JMAC Lending — Bank Statement, Santa Ana, CA (source checked 2026-07-26)
- LendSure Mortgage Corp — Bank Statement, Not published by the lender (source checked 2026-08-07)
- LendSure Mortgage Corp. — Bank Statement, San Diego, CA (source checked 2026-07-26)
- Lendz Financial — Bank Statement, Not published by the lender (source checked 2026-08-07)
- Loanhouse Mortgage Capital, Inc. — Bank Statement, Fort Lauderdale, FL (source checked 2026-09-14)
- 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)
- North American Savings Bank — Bank Statement, Not published by the lender (source checked 2026-08-07)
- NQM Funding — Bank Statement, Fairfield, NJ (source checked 2026-07-26)
- Oaktree Funding — Bank Statement, Chandler, AZ (source checked 2026-07-26)
- Prime Choice Funding — Bank Statement, Not published by the lender (source checked 2026-08-07)
- Quontic Bank — Bank Statement, New York, NY (source checked 2026-07-26)
- Radius Financial Group — Bank Statement, Not published by the lender (source checked 2026-08-07)
- Ridge Lending Group — Bank Statement, Not published by the lender (source checked 2026-08-07)
- 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
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