Top Non-Conforming Mortgages 2025: Complete Guide & Rankings

A&D Mortgage LLC offers a highly diverse and flexible product range, covering Conventional, Government (FHA, VA), Non-QM, Jumbo, DSCR, Bank Statement, ITIN, and investor loans. Product innovation and borrower coverage are industry-leading, especially for underserved segments (e.g., Foreign Nationals, self-employed). Strict requirements for the most prime Jumbo options and some specialty/niche gaps (e.g., renovation, second mortgages) prevent a perfect score.

A&D Mortgage LLC excels in providing a modern, AI-powered platform (AIM) for brokers and partners, with fast, user-friendly workflows and highly rated digital experience (4.7–4.8+ stars). Rich broker tools and personalization drive positive feedback, though advanced tech customization can create a learning curve for some users. Less direct emphasis on retail borrower-facing features nudges the score just below perfect.

Transparent wholesale pricing and fee structures, with published adjustments for diverse borrower types, origination fees set upfront, and competitive seller concessions (up to 6%). Response times and disclosures are industry-leading. Complexity arises from negotiable fees/rates and higher point adjustments for certain profiles, moderately affecting perceived simplicity for some borrowers.

Support is robust, with dedicated multi-channel teams, extensive resources for brokers, and personalized advisory (client relationship managers). Responsiveness and proactive assistance are excellent during business hours, but lack of weekend or 24/7 support limits maximal accessibility. Guidance for highly specialized cases is not fully detailed.

A&D Mortgage sets the industry standard for speed, reliability, and operational consistency, with decisioning often within 24 hours and closings under 30 days. Trustpilot and customer ratings are consistently 5-star, and industry awards validate strong performance. Limited data on edge-case breakdowns keeps this just short of a perfect score.

A&D Mortgage LLC is among the most trusted and recognized brands in non-conforming/wholesale mortgage lending, evidenced by major industry awards, 20+ years of stability, $5B+ securitizations, and >1,000 favorable customer reviews. Trust is highest in broker/wholesale channels, with slightly less visibility in direct-to-consumer retail or niche Non-QM borrower segments.

Rocket Mortgage offers a broad range of conventional, government-backed, jumbo, and flexible loan programs with digital access and special incentives, but lacks USDA and construction loan options. Its flexibility and innovation are suited to most borrower segments, but a few niche needs remain unmet.

Exceptional end-to-end digital experience, industry-leading AI-powered processing, and mobile-first usability. Application is simple, fast, and reliable; top-rated across consumer platforms. Accessibility for all demographics could be further improved, but Rocket Mortgage sets the standard for tech-enabled service.

Rocket Mortgage maintains strong pricing transparency and clear disclosures in rates and APRs, with multiple incentive programs that add competitiveness. Upfront fees (points) can be substantial for some products, and quoted payments omit taxes/insurance, which may cause confusion.

Exceptional omni-channel support including phone, chat, email, and SMS with extended hours and top industry honors for customer satisfaction. Coverage is almost universal, but lacks physical office presence for borrowers preferring face-to-face interaction.

Rocket Mortgage demonstrates best-in-class operational stability, scale, and reliability with rapid processing, top-tier client retention, and no major outages or reputational incidents. Minimal risks observed, with only a slight margin pressure recently.

Rocket Mortgage enjoys extraordinary market trust, customer loyalty, and external recognition. Continuity as a leading digital mortgage originator and award winner cements its reputation, with near-perfect scores and loyalty metrics.

OCMBC, Inc. delivers a truly exceptional product portfolio for non-conforming and conventional mortgage lending, with over 70 programs spanning Non-QM, DSCR, investor, bank statement, jumbo, government, and proprietary offerings. Serves both prime and non-prime borrowers, TPOs, and investors. Top industry rankings and presence in 35 states reaffirm depth and breadth, while specialized products (like DPA Pro Home Advantage) target unique borrower needs. Limitation lies in state-by-state product eligibility and certain proprietary underwriting nuances.

OCMBC supports partners and brokers with solid technical infrastructure—integrations like Fannie Mae Desktop Originator and accessible support portals ensure efficient digital origination and administration. Responsive, multichannel assistance and robust operational training further bolster UX for industry partners. Consumer-facing tech details (e.g., mobile apps, digital onboarding) are less documented, which slightly limits the score.

Pricing on Non-QM and conventional products is highly competitive, supported by clear regulatory disclosures and partner-visible rate sheets. While transparency is solid for brokers/TPOs, the general public lacks direct access to detailed fee structures, requiring engagement with client services for specifics. Public pricing info is moderate, but compliance strength and industry recognition solidify the score.

Support for partners/brokers is a clear standout, with multi-channel accessibility (phone, email, portal) and an operational culture focused on thorough, efficient onboarding and loan completion. Advisory and training services are robust, though borrower education and proactive consumer content are less detailed. Accessibility and responsiveness are strong, only minorly impacted by lack of education resources for end users.

OCMBC sets an industry standard for reliability, with over two decades of successful operations, multi-state licensed expansion, billions in annual originations, and recent strategic acquisitions. Regulatory standing and lender credentials empower consistency and dependable performance for partners and brokers. Specific speed metrics aren’t public, but historical and industry evidence indicate strong service stability and capacity.

Industry reputation is outstanding; top rankings in Non-QM and DSCR lending position OCMBC as a preferred lender among brokers and partners. Licensing and compliance across 48 states, plus endorsement as Fannie Mae/Freddie Mac seller, fortify trustworthiness. While consumer reviews are limited, institutional credibility is fully validated by third-party awards and regulatory credentials.

CrossCountry Mortgage offers an exceptionally broad product lineup with more than 120 mortgage options covering both mainstream and niche segments—such as physician, investor, and energy-efficient loans. Unique features like Bye Bye PMI, exclusive military benefits, and specialty programs for first responders set them apart. While the variety serves diverse borrower needs, it can also confuse some clients, and not all programs are available everywhere.

The company boasts a top-tier tech stack, fast underwriting, and a well-developed national footprint, supporting efficient processes. User reviews highlight transparent application processes and strong support for loan officers. Weaknesses include missing live rate quoting and inconsistent self-service options, with some reports of slow agent response.

Fee structure is industry-typical, and borrowers generally experience clear communication through the loan process. However, a lack of upfront fee/rate disclosure online—and scattered pricing discount information—undermines competitive positioning and transparency compared to peer lenders.

Support is robust with knowledgeable, licensed loan officers available nationwide, offering personalized and ongoing guidance. Multiple support channels (phone, branch, digital) bolster service, though customer experiences differ and agent access can be slow or inconsistent at times.

National scale supports generally strong fulfillment and rapid closings for many clients, backed by industry-leading servicing scores. However, origination satisfaction lags due to reported delays, inconsistency, and accessibility gaps, evidenced by J.D. Power and customer complaints.

CrossCountry Mortgage ranks among the industry's most recognized lenders, with multiple top rankings and growth accolades (Scotsman Guide, Inc. 5000). Nevertheless, customer trust is mixed by below-average origination satisfaction and moderate complaint volume regarding agent responsiveness and service consistency.

Acra Lending delivers an industry-leading non-QM product suite with exceptional flexibility and depth for self-employed, investor, and foreign national borrowers. The range includes specialized programs—DSCR, jumbo non-QM, bank statement, ITIN, interest-only, P&L, 1099, and condotel—with support for diverse property types and alternative income verification. Their offerings notably exceed traditional lender capabilities in the non-QM segment.

Acra Lending offers an excellent user experience for brokers/correspondents, highlighted by modern web portals and AI-powered document sorting. The Glide Broker Portal and enhanced security features streamline operations and drive transparency. However, their digital consumer experience is less documented, reflecting a partner-first technology strategy.

Acra Lending maintains transparent and fair fee disclosure for licensed partners, with capped compensation and comprehensive rate sheets. While fee structures are predictable and competitive for industry professionals, consumers have limited direct access to pricing information and updates, reducing upfront clarity for end-borrowers.

Support services for brokers/partners are comprehensive, with robust multi-channel communication, extensive documentation, dedicated business development officers, and frequent resource updates. However, consumer-focused guidance and educational materials are not detailed in public-facing information.

With over $11 billion funded, 20+ years of operational stability, and a presence in 40+ states, Acra Lending demonstrates top-tier reliability and underwriting expertise in the non-QM sector. Compliance and deep risk review processes further reinforce a strong business foundation.

Acra Lending enjoys exceptional trust and recognition in the non-QM mortgage vertical, as evidenced by high-capacity funding, broad licensure, decades of market presence, and a perfect 5-star Trustpilot rating. Regulatory compliance and a vast partner network reinforce credibility.

New American Funding offers an extensive product lineup with 18+ distinct mortgage programs, including a wide array of non-QM, refinancing, jumbo, and niche loan options. They demonstrate strong flexibility in qualifying borrowers and provide specialized solutions for underserved segments. However, exclusion of Hawaii and New York, along with limited focus on medical professional and investor-specific programs, slightly diminishes maximum range.

The lender distinguishes itself with proprietary digital platforms (NAF Hub, NAF Link, NAF Connect) providing fast, intuitive, and transparent application processes. Customer and partner feedback is outstanding, and digital support is robust. Absence of a native mobile app and no public API/tech stack integrations are minor detractors.

Fee structure lacks upfront transparency, requiring prospective borrowers to engage in direct conversations for personalized quotes. Industry reports highlight slightly above-average rates and opaque cost disclosure, making direct cost comparison difficult. Few incentives or discounts noted.

Support coverage is extensive and well-regarded, with knowledgeable staff, multiple channels (phone, email, portals), and self-service options. Educational resources and onboarding guidance are above average. Limitations in support hours (not 24/7) and lack of chatbot/AI responsiveness provide room for improvement.

Rated highly for servicing and reliability, particularly for fast closing and operational scale. Customer satisfaction for servicing is well above average, but origination scores in J.D. Power’s benchmarks are modestly below the industry mean. Consistency and uptime are reliably maintained, with the exception of HI/NY coverage.

New American Funding has strong brand credibility and trust, reflected in customer ratings, awards, and market leadership among privately-owned direct lenders. Origination satisfaction is slightly below the top tier, but overall sentiment and recognition are outstanding.

LoanDepot provides an exceptional breadth of mortgage, home equity, and refinancing products nationwide, including standard, jumbo, government-backed, and niche offerings. The Lifetime Guarantee feature is unique and very valuable for repeat borrowers. Some borrower segments may be limited by HELOC loan minimums/maximums and limited branch access.

LoanDepot combines a fast, streamlined digital experience (via the proprietary mello platform) with hybrid support options, earning high satisfaction scores. Some transparency issues remain due to requirement of application before rate access. Limited in-person support for non-digital users.

LoanDepot maintains above-average post-application pricing transparency, with public fee schedules by state and regulatory compliance. Pre-application rate disclosure is lacking, which impedes cost comparison. The Lifetime Guarantee provides valuable savings for repeat customers.

LoanDepot offers robust borrower support and extensive educational resources, including calculators and hardship assistance. Support hours are limited to weekdays and in-person access is restricted geographically.

LoanDepot demonstrates high operational reliability and customer satisfaction, but recent cyberattack and legal settlements introduce notable reputational and risk concerns. Speed of closing remains excellent; long-term reliability faces scrutiny due to security incident.

LoanDepot possesses a strong brand presence and generally high consumer trust, though recent financial losses, cyberattack, and polarized reviews hamper reputation among investors and some customers. Longevity and innovation in technology set them apart, but negative events temper overall trust.

Guild Mortgage offers one of the broadest mortgage portfolios in the industry with hundreds of tailored products, including conventional, FHA, VA, USDA, home equity lines, and No-FICO/non-traditional options. Their flexibility in qualifying lower-credit borrowers sets them apart from many competitors. However, fully digital/self-service product options are limited compared to fintech lenders.

Guild excels in internal technology, benefiting staff with tools like GuildGPT and Guild 360 that improve process efficiency and service responsiveness. However, consumer-facing technology and fully digital mortgage experiences trail fintech competitors, requiring most applicants to interact directly with loan officers.

Guild Mortgage maintains competitive average costs (e.g., $8,785 total cost, 6.37% interest rate in 2023, only marginally above prime) and provides closing cost protection for delays or non-closure. However, pricing transparency is low as rates and fees are only disclosed upon direct application and are not published online. Discounting is limited and mainly available for internal refinances.

Guild delivers industry-leading support with deep hands-on guidance, hardship counseling, and personalized service through knowledgeable loan officers. While support channels are robust (phone, correspondence), support hours are limited (no weekends) and digital/live chat options are not as developed as those offered by online-only lenders.

Guild stands atop the industry in reliability and performance, evidenced by top customer satisfaction ratings (4.93/5, 250,000+ reviews), consistent loan closing performance, and recognition from respected third-party organizations. Manual/traditional processes may slow digital-oriented borrowers, but outcomes remain consistently excellent.

Guild Mortgage exhibits a stellar reputation, with top-tier customer reviews, industry accolades, a long operational history, and national reach. The only notable drawback is absence from New York and watchfulness around recent rapid expansion/integration.

Rate Mortgage offers one of the most diverse product ranges among online mortgage lenders, including conventional, non-QM, jumbo, FHA, VA, and refinancing options. Their nationwide reach and variety of programs cater to many borrower profiles, but best rates are typically reserved for high-credit borrowers and their focus is almost exclusively on residential mortgages. Innovation is demonstrated by inclusion of non-QM products, though specialty/niche markets are not strong.

Rate Mortgage delivers a strong user experience driven by leading digital tools, such as an intuitive web and mobile application and an AI-powered underwriting engine. The rapid, 5-minute preapproval sets industry standards. However, post-origination communication and satisfaction lag slightly compared to top competitors.

While Rate generally offers competitive pricing for qualified borrowers and complies with regulatory disclosure standards, there is a distinct lack of public transparency on specific fees and rates. Historic legal issues regarding transparency further impact this score.

Highly accessible support structure with multi-channel availability and strong educational resources for both first-time and complex borrowers. Personalized guidance is consistently cited by customer testimonials. Score tempered by reported variability in responsiveness and staff reductions which may impact coverage.

Rate Mortgage demonstrates above-average reliability and notably fast approval and processing, especially for traditional and non-QM loans. The recent decline in funded volume and staff reductions introduce concern over ongoing consistency and reliability. Past legal issues are also a factor.

Rate Mortgage retains a robust industry reputation and enjoys high regulatory ratings, demonstrated longevity, and market leadership. However, less-than-average J.D. Power origination satisfaction scores and historic legal events detract from consumer trust in certain market segments.

Movement Mortgage offers a highly diverse product portfolio, including conventional, FHA, VA, USDA, jumbo, construction, renovation, and reverse mortgage loans. Distinct advantages include standout renovation financing and flexible low down payment options. However, there are gaps in dedicated support for self-employed borrowers and first-time buyers, and specialized non-QM products (like bank statement, DSCR, investor loans) are less prominent than at some niche lenders.

Movement leverages technology for extremely fast digital mortgage processing, often completing underwriting within 6 hours and enabling closings in as little as seven days. The mobile app and online portal provide intuitive loan management, but digital transparency is lacking—rate information isn't available online and self-service tools are fewer compared to leading competitors. User reviews reflect frustration with rate access, and overall borrower experience scores are slightly below industry averages.

Pricing is competitive for the market, with standard lender fees ($1,595 average) and flexible down payments. However, pricing and rate transparency are limited, forcing borrowers to contact loan officers for any personalized quote. Information on fees is available only via a downloadable PDF, and there are no online calculators or interactive disclosure tools. Compared to best-in-class competitors, Movement's cost transparency and frictionless rate shopping are notably deficient.

Movement Mortgage excels at multi-channel support and personalized local guidance, with phone, email, and 24/7 social media available. The client portal offers self-service document access and payment management. While customer testimonials consistently praise guidance, online resources and first-time buyer tools are more limited than top national lenders, and support hours are not universal online.

Movement ranks among the nation's most reliable mortgage lenders, with industry-leading scores for origination satisfaction, fast processing (average closing: 21 days, underwriting: <6 hours), and an A+ BBB rating. Annual lending volume and consistency of service delivery are remarkable, and technology systems demonstrate robust uptime and operational reliability.

Movement Mortgage’s industry reputation is outstanding, with high marks for reliability, trustworthiness, and community presence. It boasts strong customer satisfaction ratings, top industry accolades, and excellent regulatory standing. Client testimonials consistently highlight transparent communication, though some mention concerns regarding fees and online rate transparency.