Become an Approved Broker Partner

Apply once, in about 15 minutes, and unlock the full DEFY TPO program shelf. No minimum volume. No commitments.

(615) 927-0838 Become an approved broker

Open the broker application

What you need to get approved

DEFY TPO works exclusively with licensed mortgage professionals, and the broker package is built to collect exactly what an approval needs, in one sitting. You will want your company NMLS number, the names of your Broker of Record and principals, your federal tax ID and a few corporate documents close at hand. The application runs in seven steps, and the progress rail on the application shows where you are:

1. Company. Company NMLS # (Mila looks it up in the NMLS registry), legal name of entity, DBA, type of business, phone, contact email, primary compliance contact, business address, and federal tax ID.
2. Officers. The Broker of Record, your principals and senior officers, and your lender-paid compensation election.
3. Production. Your production volume and lender references.
4. Disclosures. Whether another entity owns or controls you, any affiliated business arrangements, and any affiliated closing agent.
5. Portal Admin. The Broker of Record is the portal admin; you can let the DEFY sales team set up and assign new users for you.
6. Resolution & W-9. The corporate resolution (board of directors authorization) and your W-9.
7. Review & Sign. Review the package, read the agreement, attach documents, and sign.

The Review & Sign step asks you to attach these documents before you sign:

• Resumes of the Broker of Record and all Principal(s)/Senior Officers
• Copy of Articles of Incorporation / Partnership / S-Corp
• Signed and dated most recent P & L Statement and Balance Sheet

How long approval takes

The application takes about 15 minutes and needs your NMLS, officers, and a signature. Most partners are approved in as fast as 24 hours after submitting the broker package.

There is no minimum volume and no commitment to take on, so there is nothing to negotiate before you can start. Once the package is in, your DEFY sales team follows up, and you can reach the broker desk at any point at (615) 927-0838 or help@defywholesale.com.

What you get on day one

Approval opens the full DEFY TPO toolkit and the whole program shelf. From the first day you can:

• Direct AE support with senior underwriting access
• Instant scenario pricing in DEFY ONE (Price IQ)
• AI-driven program guideline answers via Mila
• Fast turn times and broker-first compensation
• Price a scenario live in DEFY ONE and Price IQ, with instant scenario pricing.
• Get automated underwriting decisions from DEFY ONE.
• Ask guideline questions of Mila, our AI guideline assistant.
• Work with a direct account executive who has senior underwriting access.
• Submit scenarios to the Deal Desk when a file needs structuring help from an underwriter.

The program shelf is non-agency, built around business purpose investor lending and self-employed and alt-doc borrowers:

• Investor DSCR for 1-4 family, including short-term rental
• 5-9 unit and mixed-use
• Blanket portfolio and second-lien loans
• Bank statement, 1099, P&L, Written VOE and asset utilization
• Foreign National and ITIN

Which states DEFY TPO lends in

Defy Mortgage, LLC (NMLS #2383214) lends on investor business-purpose transactions across a 39-state lending area. In 35+ of those 39 states you don't need a separate broker license to work with us.

Investor business purpose lending: AL, AR, CA, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, VA, WA, WV, WI and WY.

Primary and second home transactions: AL, CA, CO, FL, GA, TN and TX.

Ineligible: AK, AZ, ID, MN, MT, ND, NV, SD, OR, UT, VT and DC.

See the lending area map.

Broker approval FAQ

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.

How long does the application take?

The application takes about 15 minutes and needs your NMLS, officers, and a signature.

Who can apply to become an approved broker?

Licensed mortgage professionals: mortgage brokers and other third-party originators. DEFY TPO is a wholesale lender and does not lend directly to consumers.

Is there a minimum volume or a commitment?

No. There is no minimum volume and no commitment.

What documents do I need to attach?

Resumes of the Broker of Record and all Principal(s)/Senior Officers, a copy of your Articles of Incorporation, Partnership or S-Corp, and your signed and dated most recent P & L Statement and Balance Sheet. You will also provide your corporate resolution and W-9 in the Resolution & W-9 step.

Which states does DEFY TPO lend in?

DEFY TPO lends on investor business-purpose transactions across a 39-state lending area. Primary and second home transactions are available in AL, CA, CO, FL, GA, TN and TX.

Do I need a broker license in every state?

In 35+ of the 39 states where we lend, you don't need a separate broker license to work with DEFY TPO. Ask the broker desk at (615) 927-0838 about your state.

Which loan programs can I submit once I am approved?

The full program shelf from day one: investor DSCR including short-term rental, 5-9 unit and mixed-use, blanket portfolio and second-lien loans, bank statement, 1099, P&L, Written VOE and asset utilization, Foreign National and ITIN.

Who do I contact if I need help applying?

Call the broker desk at (615) 927-0838 or email help@defywholesale.com.

Defy Mortgage, LLC, NMLS #2383214. Business-purpose investor lending for licensed mortgage professionals only.

Explore Programs

• 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.