Non-QM lending built for brokers who move fast.
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
- STR Loans
- Non-Agency
- 5-9 Multi-Units
- Foreign National
- Blanket Loans by MORTAVA
- ITIN Loans
- Investor DSCR 2nd Mtg.
- Smart Equity 2nd Mtg.
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 Mila.
Frequently Asked Questions
How fast can I get approved?
Most partners are approved within 24 hours of submitting a complete broker package.
Is there a minimum volume?
No. There's no minimum volume and no commitment to send a set number of loans.
Can borrowers close in an LLC or trust?
Yes. LLCs, corporations and trusts are eligible across most non-agency programs.
How do I price a scenario?
Use PriceIQ in DEFY ONE for live pricing, ask Mila for a guideline answer, or send it to the Deal Desk.
Can I look around before I'm approved?
Yes. A Guest Pass at my.defytpo.com lets you see DEFY ONE before your broker package is approved.
Who do I contact?
Your Account Executive, the team directory, or help@defywholesale.com.