The old way of wholesale is done. We're building what's next.

Defy Wholesale — Wholesale Non-QM & DSCR Loans for Brokers

Defy Wholesale is a wholesale non-agency lender built for mortgage brokers. We deliver Non-QM, DSCR, investor, foreign national, ITIN, and bank statement loan programs with broker-first pricing, fast underwriting, and direct access to decision-makers.

Loan Programs We Offer

  • DSCR Loans
  • Non-QM Loans
  • Bank Statement Loans
  • Foreign National Loans
  • ITIN Loans
  • Asset Depletion Loans
  • Mixed-Use Loans

Built for Mortgage Brokers

No minimum volume. No commitments. Approval in as fast as 24 hours. Direct AE support, instant pricing through PriceIQ, and AI-driven scenario answers through Vesty.

Frequently Asked Questions

How fast can I get approved as a broker?

Most partners are approved in as fast as 24 hours after submitting the broker package. No minimum volume, no commitments.

What loan products do you offer?

Non-Agency Non-QM, Bank Statement, P&L Only, DSCR, Foreign National, ITIN, Asset Depletion, and our Portfolio ROAM program.

Do you support entity-vested loans?

Yes. LLCs, Corporations, and Trusts are eligible across most non-agency programs.

How do I price a scenario?

Use PriceIQ for instant scenario pricing and Vesty AI for guideline questions.

Who do I contact for help?

Reach your Account Executive directly, or use the Reach the Team directory. Support requests route to team@defywholesale.com.

Get Started

  • Become an Approved Broker Partner
  • Submit a Scenario to the Deal Desk
  • View Our Lending Footprint
  • Forms Library