Non-QM Loans in Oklahoma City, OK
Find lenders offering non-qm loans in the Oklahoma City, including Norman, Edmond, Moore, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve Oklahoma City?
33 lenders offering non-qm loans in the Oklahoma City, OK area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
Tustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Rocket Mortgage
Detroit, MI
Nation's largest online home lender. Offers some non-QM products alongside conventional, FHA, VA, and jumbo loans. Fully digital application process.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Acra Lending
CA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Arc Home
NJ
Wholesale and correspondent lender offering DSCR loans for real estate investors. Part of Angelo Gordon's platform with competitive non-QM pricing.
What does the Oklahoma City commercial real estate market look like?
Oklahoma City's commercial real estate market benefits from a diversified economy anchored by energy, aerospace, and a growing biosciences sector centered around the Oklahoma Health Center campus. The Midtown and Bricktown districts have undergone significant redevelopment, attracting mixed-use and hospitality projects that have transformed formerly underutilized urban corridors. The MAPS (Metropolitan Area Projects) public investment series has channeled billions into downtown infrastructure, convention facilities, and a new downtown streetcar system that has boosted adjacent property values. Industrial demand remains strong along the I-35 and I-40 interchange corridors, where distribution and logistics facilities serve as a crossroads for national freight networks.
Key Economic Drivers
- ●Tinker Air Force Base and the Oklahoma City Air Logistics Complex, one of the largest military maintenance depots in the world
- ●Oklahoma Health Center campus, housing the OU Health Sciences Center and multiple research institutes
- ●MAPS 4 public investment program directing over $900 million into downtown and citywide infrastructure
- ●Energy sector headquarters including Devon Energy, Continental Resources, and Chesapeake Energy
Market Insight
The MAPS 4 program, approved by voters in 2019, is directing over $900 million into public improvements including a new downtown arena, transit enhancements, and neighborhood revitalization — projects expected to generate substantial adjacent CRE investment through 2030.
How do non-qm loans work in Oklahoma City, Oklahoma?
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the Oklahoma City metro area, borrowers can access 33 lenders offering Non-QM financing, including Norman, Edmond, Moore, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who should consider non-qm loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
What are the key requirements?
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in Oklahoma City FAQ
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