What each lender’s bank-statement and non-QM programs actually say — published guidelines, sourced and dated, no star ratings. We review lenders as a publisher: we have no loan files with them, so we grade nothing; we report what their program sheets publish and who each program fits.
Listed alphabetically. No lender pays for inclusion, and compensation never affects ordering. How we make money · Editorial policy
The #1 non-QM lender by wholesale volume — 12/24-month statements, generous deposit-counting rules, 90% CLTV and $4M ceilings — reachable only through a mortgage broker.
Wholesale only (via a broker)Among the most permissive published floors in non-QM — DSCR to 0.80 coverage at 575 credit, and a no-income-verification foreign national program to $3M. Broker channel only.
Direct + broker channelOne of the original non-QM specialists — bank statement loans to $4M with just one year of self-employment, reached through 3,600+ brokers or its consumer-direct arm.
Direct + broker channelThe credit-flexibility specialist — published tiers down to 550 FICO (600 for bank statements), 1-day-out-of-bankruptcy options, ITIN accepted on every tier.
Direct + broker channelA top national retail lender with an unusually broad non-QM menu — bank statement to 90% LTV and $3M, plus DSCR, ITIN, 1099, P&L and asset-qualifier programs under one roof.
Wholesale only (via a broker)Publishes rate-sheet-level detail most lenders hide — two bank-statement tiers, DSCR variants down to 5–9 unit properties, ITIN to $1.5M, and a bank-statement HELOC. Broker channel only.
Direct to consumerDirect-to-consumer non-QM specialist that actually publishes its numbers — 620 floor, 10% down, loans to $4.5M in-house, and a no-ratio DSCR option.
Direct to consumerLarge retail lender with an unusually plain-spoken ITIN program — bank statement loans at a 620 floor, with a bigger down payment (20–30%) than the non-QM specialists ask.
Direct to consumerA federally chartered, FDIC-insured bank doing bank-statement lending directly — a rarity in non-QM, with a higher credit bar (680–700) than the non-bank specialists.