BANKIRR Participating Lenders

Rocket Mortgage

Rocket Mortgage combines broad agency and government coverage with HELOAN, jumbo, co-op availability, manufactured housing support, and a meaningful non-QM layer that includes bank statement, asset, DSCR, non-warrant condo, and a 40-year interest-only option. It is a strong lender when a file needs both mainstream product depth and flexibility beyond plain vanilla conforming execution. Rocket also remains relevant in lower down payment and lower credit scenarios, with grants or second lien assistance and FHA execution down to a 580 minimum score shown in the matrix.

All Full Spectrum Purchase Focus Conventional FHA VA HELOAN Jumbo Co-ops Manufactured Bank Statement Assets DSCR Non-Warrant Condo Down Payment Assistance Min 580 FICO

Freedom Mortgage

Freedom Mortgage covers the full agency and government menu, including conventional, FHA, VA, USDA, jumbo, co-op, and manufactured housing execution, but does not extend into HELOC, construction, or non-QM programs. It is most useful when BANKIRR needs a mainstream lender built around standard purchase execution rather than specialty credit. Freedom is also relevant in affordability-driven scenarios because the matrix notes 100 percent USDA eligibility and FHA availability down to a 580 minimum score.

All Agency Focused Purchase Focus Conventional FHA VA USDA Jumbo Co-ops Manufactured Low Down Payment Min 580 FICO

PennyMac

PennyMac pairs agency and government coverage with HELOAN, jumbo, and manufactured housing, but the matrix shows no non-QM product menu. It is strongest when a file fits cleanly inside standard conventional or government execution and BANKIRR wants another large-scale outlet for mainstream pricing. PennyMac is especially relevant when the borrower needs agency depth without the added complexity of alternative documentation or specialty credit products.

All Agency Plus Purchase Focus Conventional FHA VA HELOAN Jumbo Manufactured

PRMG

PRMG is a broad lender in the BANKIRR network spanning conventional, FHA, VA, USDA, HELOC, jumbo, manufactured housing, bank statement, DSCR, 1099, and ITIN execution. It is particularly useful when a file needs both standard government or agency eligibility and a specialty qualification outlet inside the same lender platform. PRMG also adds flexibility in affordable purchase scenarios through multiple down payment assistance options, including Chenoa FHA DPA, CALHFA, and several state-specific programs listed in the workbook.

All Full Spectrum Purchase Focus Conventional FHA VA USDA HELOC Jumbo Manufactured Bank Statement DSCR 1099 ITIN Down Payment Assistance

Windsor

Windsor combines broad agency coverage with jumbo reach, select co-op availability, and manufactured housing under conventional guidelines. It is strongest in purchase transactions where mainstream execution matters but the file still needs flexibility around property type or program fit. Windsor is also a useful outlet in low down payment scenarios because the lender supports multiple assistance programs, including CALHFA in eligible cases.

All Full Spectrum Purchase Focus Conventional FHA VA USDA Jumbo Co-ops Manufactured Down Payment Assistance

The Loan Store

The Loan Store covers core agency lending while also extending into HELOC, jumbo, construction, bank statement, DSCR, and non-warrant condo scenarios. It is one of the more versatile lenders in the network when a transaction moves beyond plain vanilla conforming execution. The lender is especially useful when BANKIRR needs to compare standard purchase pricing against bridge, investor, or equity-driven alternatives, and its HELOC channel can move quickly in the right file.

All Full Spectrum Purchase Focus Refinance Conventional FHA VA HELOC Jumbo Construction Bank Statement DSCR Non-Warrant Condo

Spring EQ

Spring EQ is an equity specialist built around second-lien execution. The platform offers both HELOC and HELOAN products and is most competitive when the transaction centers on accessing equity rather than placing a first mortgage. Spring EQ is particularly relevant when speed, equity extraction, or second-home and investment-property leverage determine lender fit.

All Equity Specialist HELOC HELOAN Refinance Second Lien Fast Turn Times

Provident Funding

Provident Funding is an agency and jumbo lender with a narrow product set and a straightforward credit box. It tends to fit clean conventional files and higher balance borrowers who do not need government, renovation, or alternative documentation programs. This is the kind of lender that rotates into position when the transaction is simple and rate execution matters more than product complexity.

All Agency Focused Conventional Jumbo Prime Scenarios

Plaza Home Mortgage

Plaza Home Mortgage is one of the broadest lenders in the BANKIRR network, spanning agency, government, HELOAN, jumbo, co-op, renovation, and multiple non-QM channels including bank statement, asset, DSCR, 1099, and P&L programs. It is a strong lender when a file sits between standard and specialty execution rather than fitting neatly into one box. Plaza is especially valuable when BANKIRR needs a lender that can compete on both product range and underwriting flexibility inside the same transaction.

All Full Spectrum Conventional FHA VA USDA HELOAN Jumbo Co-ops Renovation Bank Statement Assets DSCR 1099 P&L

Orion

Orion pairs a full agency lineup with jumbo, manufactured housing, bank statement, asset, DSCR, 1099, P&L, and non-warrant condo options. It is a flexible lender for transactions that begin in standard agency territory but need a wider specialty menu before the loan can close. Orion becomes particularly useful when mixed-use or investor-style qualification features matter alongside mainstream purchase eligibility.

All Full Spectrum Purchase Focus Conventional FHA VA USDA Jumbo Manufactured Bank Statement Assets DSCR Non-Warrant Condo Mixed Use

Old North

Old North is best positioned as a bridge and transition lender inside the BANKIRR ecosystem. The spreadsheet points to Old North Capital as a route for fix-and-flip and bridge structures when a borrower or project falls outside standard long-term mortgage execution. This is the type of outlet that becomes relevant when the winning strategy is short-term capital rather than conventional rate placement.

All Investor Focused Bridge Fix and Flip Transition Capital

OakTree Funding

OakTree Funding is a specialty lender built around equity, jumbo, and alternative documentation lending. Its product mix includes HELOC, HELOAN, bank statement, asset, DSCR, 1099, ITIN, and cross-collateralized blanket loan structures. OakTree is most valuable when BANKIRR needs a lender for investor, non-agency, or portfolio-style scenarios that standard agency lenders will not price or approve well.

All Specialty Credit HELOC HELOAN Jumbo Bank Statement Assets DSCR 1099 ITIN Blanket Loan

Normandy

Normandy is a construction and renovation specialist with additional land, lot, and bridge capability. It is designed for transactions where the project itself drives the financing strategy, not just the borrower profile. Normandy rotates into position when BANKIRR is comparing lenders for build, rehab, land acquisition, or short-term transition funding.

All Construction Specialist Renovation Land and Lot Bridge

NFTYDoor

NFTYDoor is a focused HELOC lender. It is best suited for equity-access transactions where a simple second-lien structure is more important than a broad mortgage menu. The lender becomes useful when BANKIRR needs a clean, technology-forward equity option rather than a full first-mortgage platform.

All Equity Specialist HELOC Second Lien Fast Turn Times

Newfi

Newfi combines conventional and jumbo lending with HELOAN and a deep non-QM menu that includes bank statement, asset, DSCR, 1099, ITIN, non-warrant condo, and graduated payment options. It is a strong lender when the borrower profile is more complex than the property itself. Newfi often becomes competitive in files involving self-employment, alternative documentation, or borrowers who need a lender comfortable moving between prime and non-agency execution.

All Non-QM Conventional HELOAN Jumbo Bank Statement Assets DSCR 1099 ITIN Non-Warrant Condo

New Rez

New Rez is one of the broadest lenders in the network, covering agency, government, jumbo, co-ops in NY and NJ, manufactured housing under government guidelines, DSCR, bank statement, asset-based qualification, 1099, non-warrant condos, and no-FICO options. It is a high-coverage lender for both purchase and refinance scenarios, especially when the file needs low down payment access or flexibility around documentation. New Rez is the kind of lender that can stay in the conversation even as a transaction shifts from standard agency execution into specialty territory.

All Full Spectrum Purchase Focus Refinance Conventional FHA VA USDA Jumbo Co-ops Manufactured Bank Statement Assets DSCR No FICO Low Down Payment

LimaOne

LimaOne is an investor lender centered on construction, renovation, fix-and-flip, bridge, and asset-based project financing. It is not an agency outlet for owner-occupied mortgage shopping. LimaOne becomes relevant when the transaction is a business-purpose real estate project and the winning lender is determined by asset strategy rather than consumer mortgage guidelines.

All Investor Focused Construction Renovation Fix and Flip Bridge Asset Based

Lending Spot

Lending Spot participates in the BANKIRR network as a supplemental lender option. While the uploaded matrix does not provide the same level of product detail shown for the larger platforms, its role in the table supports network depth and pricing rotation when fit and availability align with the transaction. In practice, lenders like this expand comparison capacity rather than serving as a one-size-fits-all solution.

All Network Depth Supplemental Outlet

LendSure Mortgage Corp

LendSure Mortgage Corp is a specialty lender spanning jumbo, construction, renovation, bank statement, asset, DSCR, 1099, P&L, non-warrant condo, condotel, bridge, and fix-and-flip execution. It is built for transactions that fall outside standard agency boundaries, especially when the borrower or property has multiple moving parts. LendSure is most useful when BANKIRR needs a lender that can compete in luxury, investor, and project-driven files without losing non-QM flexibility.

All Specialty Credit Jumbo Construction Renovation Bank Statement Assets DSCR 1099 P&L Non-Warrant Condo Condotel Bridge

Kind Lending

Kind Lending is one of the most adaptable lenders in the BANKIRR network. It combines broad agency and government coverage with HELOC, jumbo, co-op, manufactured housing, and a substantial non-QM menu including bank statement, asset, DSCR, 1099, and P&L execution. Kind becomes especially important when a file needs both pricing competition and product flexibility, including low down payment and lower-credit scenarios that many lenders treat cautiously.

All Full Spectrum Conventional FHA VA USDA HELOC Jumbo Co-ops Manufactured Bank Statement Assets DSCR Low Down Payment Min 580 FICO

JMAC

JMAC offers a broad agency core with jumbo and manufactured housing, while also supporting bank statement, asset-based, DSCR, and 1099 lending. It is well suited for borrowers who want a lender that can handle conventional or government execution without giving up access to specialty qualification paths. JMAC is particularly useful in transactions where mixed-use considerations or alternative income treatment can influence who becomes most competitive.

All Agency Plus Conventional FHA VA Jumbo Manufactured Bank Statement Assets DSCR 1099 Mixed Use

Fund Loans

Fund Loans is a non-agency lender centered on jumbo and alternative documentation execution. Its menu includes bank statement, asset, DSCR, 1099, P&L, and ITIN support, which makes it relevant in higher balance files that do not fit standard agency rules. This lender is most useful when BANKIRR is comparing options for borrowers who need jumbo capital with flexible qualification rather than mainstream conforming underwriting.

All Non-QM Jumbo Bank Statement Assets DSCR 1099 P&L ITIN

Figure

Figure enters the BANKIRR network through the HELOC channel and is shown in the matrix as Figure powered by the Loan Store. It is an equity-access platform designed for streamlined second-lien execution, including owner-occupied and select secondary scenarios. Figure becomes competitive when the objective is speed, digital workflow, and efficient access to home equity rather than full-spectrum mortgage placement.

All Equity Specialist HELOC Digital Workflow Second Lien

Deep Haven

Deep Haven is included in the BANKIRR network as a specialty lending outlet. The uploaded workbook provides contact support but not the same detailed product matrix shown for the larger lenders, so its role is best understood as additional optionality for specialized scenarios. Within a competitive marketplace, lenders like this help widen the field when standard pricing channels do not fit the file cleanly.

All Specialty Outlet Network Depth

Credit Human

Credit Human serves a narrow but important role in the lender mix through manufactured home and chattel financing. It is relevant when the transaction depends more on housing type than on broad product breadth. This is the type of lender that rotates into position when standard agency outlets are not designed for the collateral being financed.

All Manufactured Chattel Property Specialist

Click n Close

Click n Close blends full agency and government coverage with jumbo, construction, renovation, one-time construction, and down payment assistance features. It is a strong lender when the file combines standard mortgage execution with project-based or affordability-driven needs. Click n Close is particularly useful when BANKIRR needs a lender that can stay competitive across both first-time buyer structures and more specialized build or renovation transactions.

All Full Spectrum Conventional FHA VA USDA Jumbo Construction Renovation One-Time Close DPA

Change

Change is a specialty lender focused on HELOAN, jumbo, and alternative documentation programs including bank statement, asset, DSCR, 1099, P&L, ITIN, foreign national, full-doc, and no-ratio structures. It is designed for non-agency borrower profiles rather than standard conforming execution. Change becomes relevant when the winning lender is the one most comfortable with complex documentation or international borrower characteristics.

All Non-QM HELOAN Jumbo Bank Statement Assets DSCR 1099 P&L ITIN Foreign National No Ratio

Champion Funding

Champion Funding is a jumbo and non-agency lender built around alternative qualification paths, including bank statement, asset, DSCR, 1099, P&L, ITIN, foreign national, full-doc, and no-ratio structures. It is best suited for higher balance borrowers whose income, documentation, or residency profile does not fit an agency box. In competitive terms, Champion becomes useful when lender flexibility matters more than conventional product breadth.

All Non-QM Jumbo Bank Statement Assets DSCR 1099 P&L ITIN Foreign National No Ratio

Carrington

Carrington combines full agency and government coverage with jumbo and a meaningful non-QM layer that includes bank statement, asset, DSCR, 1099, and P&L programs. It is especially relevant in low down payment and lower-credit scenarios, where the spreadsheet shows both broad product reach and tolerance for less conventional borrower profiles. Carrington often becomes competitive when BANKIRR needs a lender that can bridge the space between government execution and specialty credit.

All Full Spectrum Conventional FHA VA USDA Jumbo Bank Statement Assets DSCR Low Down Payment Low Credit 550

BluePoint

BluePoint pairs agency lending with HELOAN, jumbo, manufactured housing, and a non-QM menu that includes bank statement, asset, DSCR, 1099, P&L, and ITIN execution. It is a useful lender when a file sits between standard mortgage placement and specialty documentation needs. BluePoint can become competitive when the borrower needs a lender comfortable moving from conventional structure into alternative income or property-type complexity.

All Agency Plus Conventional FHA VA HELOAN Jumbo Manufactured Bank Statement Assets DSCR ITIN

Cake Mortgage

Cake Mortgage is a specialty lender centered on jumbo, manufactured housing, and non-agency qualification channels including bank statement, asset, DSCR, 1099, P&L, ITIN, and non-warrant condo execution. It is not built to compete across the full agency menu. Its value is in giving BANKIRR another outlet for borrowers who need specialty credit support tied to property type or alternative documentation.

All Specialty Credit Jumbo Manufactured Bank Statement Assets DSCR 1099 P&L ITIN Non-Warrant Condo

Axos Bank

Axos Bank is a jumbo and non-agency lender with strength in bank statement, asset, DSCR, 1099, P&L, ITIN, bridge, and cross-collateralized structures. It is most relevant when the borrower needs higher balance financing with portfolio-style flexibility rather than a standard agency solution. Axos becomes competitive in transactions where loan structure is as important as rate.

All Non-QM Jumbo Bank Statement Assets DSCR 1099 P&L ITIN Bridge Cross-Collateralized

AFR

AFR, or American Financial Resources, is a government and agency lender with additional strength in manufactured housing, renovation, temporary buydowns, and targeted down payment assistance programs. It is especially relevant in affordable purchase scenarios, including first responder, medical, and educator assistance programs identified in the spreadsheet. AFR becomes competitive when the right answer is not just rate, but program structure, eligibility, and borrower access.

All Agency Focused Conventional FHA VA USDA Manufactured Renovation Temporary Buydown Down Payment Assistance Min 580 FHA

Angel Oak

Angel Oak is a non-agency lender built around alternative qualification channels including HELOC, HELOAN, jumbo, bank statement, asset, DSCR, 1099, P&L, ITIN, and foreign national lending. It is one of the clearest specialty-credit outlets in the BANKIRR network. Angel Oak rotates into position when the borrower has a complex income profile, international component, or documentation structure that standard agency lenders are not built to price well.

All Non-QM HELOC HELOAN Jumbo Bank Statement Assets DSCR 1099 P&L ITIN Foreign National