Lending Area

Tap or focus a state on the interactive map to see where Defy Wholesale lends.

Investor business purpose lending, 39 states

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, WY.

Primary and second home transactions

AL, CA, CO, FL, GA, TN, TX.

Ineligible states

AK, AZ, ID, MN, MT, ND, NV, SD, OR, UT, VT, DC. Availability is informational and can change; final eligibility is confirmed at underwriting.

How to read the lending area

Defy Wholesale lends across a 39-state lending area for investor business-purpose loans submitted by licensed brokers and TPO partners. Seven of those states (AL, CA, CO, FL, GA, TN and TX) also allow primary and second-home transactions.

Twelve jurisdictions are ineligible: AK, AZ, ID, MN, MT, ND, NV, SD, OR, UT, VT and DC. The map and the state lists are informational and can change, and final eligibility is confirmed at underwriting.

Program guidelines still apply inside an eligible state. Review the loan programs, send a tricky file to the Deal Desk, or become an approved broker to start submitting loans.

Related

  • Home
  • Programs
  • Forms Library
  • Deal Desk
  • Become a Broker Partner
  • Lending Area
  • Home
  • Programs
  • Calculators

Links

  • Programs
  • Forms
  • Calculators
  • Broker Guides
  • Insights
  • Wholesale Mortgage Lender
  • TPO Lender
  • Non-QM Wholesale Lender

Resources

  • Answers
  • Detailed Q&A
  • DSCR Calculator
  • Qualr AOS Request Access
  • Contact Us
  • Partner With Us
  • Ask MILA
  • Privacy Policy

Defy Mortgage, LLC · NMLS #2383214 · 1030 16th Ave S, FL 2, Nashville, TN 37212

Defy Wholesale is the wholesale (TPO) channel of Defy Mortgage, LLC. We lend on investor business-purpose transactions across a 39-state lending area and work only through licensed mortgage brokers and third-party originators. Brokers can apply to become an approved partner.