What LendingPros does

LendingPros is the wholesale lending division of OCMBC, Inc., a privately held California corporation headquartered in Irvine, California. It operates exclusively as a wholesale mortgage lender, serving licensed mortgage brokers and loan officers through a direct-to-broker model with no retail consumer channel. Brokers register, submit loans, upload documents, run DU/LP underwriting, order appraisals, and manage pipeline through the proprietary TPOpro portal, supplemented by a dedicated Account Executive network for high-touch support.

The company's product portfolio spans more than 25 programs across three buckets: Conventional (FNMA/FHLMC conforming, ARMs, HomeReady, Home Possible, RefiNOW, ALT Agency), Government (FHA, VA, USDA, CalHFA DPA programs including MyHome, ZIP, Dream For All, CalReady/CalPLUS Access), and Non-QM (bank statement, DSCR, Non-QM Core Flex with FICO down to 500, closed-end seconds, buydowns, ITIN, asset depletion). Additional lines include HELOCpro (technology-driven HELOC portal), DPA Pro (exclusive down payment assistance products), Jumbo, and commercial / business-purpose lending for investment properties including fix-and-flip and short-term I/O loans. The company is licensed in 48 states and holds the #1 Non-QM Wholesale Lender and #3 Wholesale Lender rankings in the Scotsman Guide 2026 Rankings.

LendingPros earns revenue through wholesale loan origination: it funds loans submitted by brokers and earns origination fees, lock pricing, and gain-on-sale spread on loans sold to investors. Pricing is not publicly disclosed; rate sheets are distributed to approved brokers through the TPO portal, with periodic pricing specials (e.g., up to 25 BPS price improvements). The company is privately held under OCMBC, Inc. with no disclosed external institutional shareholders, no public listing, and no disclosed funding rounds.

Name

LendingPros

Legal name

OCMBC, Inc.

Website

https://golendingpros.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

LendingPros is a wholesale mortgage lender (division of OCMBC, Inc.) offering conventional, government, Non-QM, HELOC, and commercial loan programs exclusively to licensed mortgage brokers through its proprietary TPOpro portal across 48 states.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222), Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Non-QM & Specialty Wholesale Lending (Bank Statement/DSCR/Alt-Doc) (FSALACAD)

akta.pro secondary industries

Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Balance-Sheet / Portfolio CRE Lending (FSALADAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Wholesale mortgage lending
• Non-QM loans
• Mortgage broker platform
• TPO origination
• HELOC origination

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Wholesale Loan Origination: LendingPros originates mortgage loans through mortgage brokers and receives origination fees, lock pricing, and other loan-related income. As a wholesale lender, they fund loans and earn revenue through the spread between origination and sale to investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

LendingPros is a wholesale mortgage lender operating exclusively through third-party mortgage brokers, funding conventional, government (FHA/VA/USDA), CalHFA DPA, Non-QM, HELOC, Jumbo, business-purpose, and commercial real estate loans. Brokers submit and manage loan files end-to-end via the proprietary TPOpro portal, with dedicated Account Executive support, automated underwriting integrations, appraisal ordering, and access to specialized programs such as Non-QM Core Flex (FICO down to 500) and DSCR products for real estate investors.

Product overview

LendingPros is a wholesale mortgage lender and a division of OCMBC, Inc., offering a comprehensive platform of mortgage products through its TPOpro technology portal. The product portfolio spans three main categories: Conventional Programs (FNMA/FHLMC including ARMs, HomeReady, Home Possible, RefiNOW, and ALT Agency), Government Programs (FHA, VA, USDA, and CalHFA DPA with MyHome, Dream For All, and CalReady/CalPLUS Access), and Non-QM Programs (bank statement, DSCR, Core Flex, DSCR 5-8, closed-end seconds, buydowns, and business purpose lending). The company also offers commercial lending including investment properties, fix-and-flip, I/O loans, and fixed-term commercial products. Access is delivered through the TPOpro wholesale broker portal with integrated appraisal ordering and underwriting tools.

Differentiator

Problem solved

Functional benefit

Brands

• HELOCpro: Home Equity Line of Credit technology-driven portal solution
• DPA Pro
• TPOpro
• Non-QM Core Flex
• RefiNOW

Products and services

• Conventional Loans FNMA and FHLMC conforming loan programs including purchase, refinance, and cash-out options with 30-year fixed terms and non-standard terms available, designed for mortgage brokers to deliver to qualified conforming borrowers.
• FHA Loans Federal Housing Administration loans including purchase, streamline refinance, and cash-out options with FICO scores down to 550 and up to 96.5% LTV, available to brokers through the wholesale channel.
• VA Loans Veterans Affairs loan programs including 100% LTV purchase and cash-out options, IRRRL streamlines, and ARMs with loan amounts up to $1.5 million for veteran borrowers via wholesale brokers.
• USDA Loans USDA Section 502 guaranteed loans for single-family housing in eligible rural areas with 100% LTV and 30-year fixed terms, offered through wholesale brokers.
• CalHFA DPA Programs Participating-lender status for California Housing Finance Agency down payment assistance programs including MyHome, ZIP (Zero Interest Program), CalReady, CalPLUS Access, and Dream For All Shared Appreciation Loan, assisting low- to mid-income California homebuyers with deferred-payment second loans.
• DPA PRO Programs Exclusive down payment assistance programs including DPA Pro (0% deferred second), DPA PRO Plus (100% CLTV), and DPA PRO Home Advantage (101.5% CLTV) for qualifying borrowers reaching brokers.
• Closed-End Second Mortgages Second-mortgage products allowing borrowers to access home equity without refinancing the first loan, with loan amounts up to $750,000 and fixed terms up to 30 years, delivered through wholesale brokers.
• HELOCpro Technology-driven Home Equity Line of Credit portal providing a digital origination experience with online borrower prequalification, real-time loan status updates, approvals in about 5 minutes, and funding in as few as 5 days.
• Non-QM Programs Non-Qualified Mortgage loan programs including bank statement, asset depletion, DSCR, 40-year terms, and WVOE options for borrowers who do not meet standard agency guidelines, served through wholesale brokers.
• Non-QM Core Flex Non-QM program with FICO scores down to 500, offering purchase, rate/term, and cash-out options on 30-year fixed terms up to 65% LTV and $1.25M loan amounts, designed to help brokers serve underserved borrowers.
• DSCR 5-8 Program Debt Service Coverage Ratio program for residential 5-8 unit investment properties with loan amounts up to $2 million and minimum DSCR of 1.00, targeting real estate investors via wholesale brokers.
• Jumbo Loans Jumbo mortgage programs including Jumbo Signature (up to $3.5M, 90% LTV), Jumbo Elite (up to $3M), Jumbo Pro (up to 80% LTV), and Jumbo Elite Pro (up to 85% LTV), available to wholesale brokers.
• Business Purpose Lending Investment-property loans for real estate investors including DSCR loans up to $3.5 million with 85% LTV for purchase and 75% for cash-out, underwritten on property cash flow rather than personal income.
• Commercial Lending Commercial real estate financing for multi-family, mixed-use, retail, office, industrial, and automotive properties with loan amounts starting at $100K, delivered through wholesale brokers.
• Commercial Programs Specialized commercial loan products including Fifty in a Flash (low-LTV streamlined), Fix & Flip (short-term interest-only), I/O Loan (24-month term), and Fixed Term Loan (30-year fixed with interest-only options) for commercial borrowers via brokers.
• TPOpro Broker Portal Wholesale lending submission portal enabling brokers to register, submit loans, upload documents, run DU/LP underwriting, order appraisals, and manage the full loan pipeline end-to-end.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration29 records

Feature3 records

Partnerships

One partnership is on record.

• CalHFA (California Housing Finance Agency)coreStrategic or Co-development PartnerLendingPros is a participating lender for CalHFA's down payment assistance programs including MyHome, ZIP (Zero Interest Program), CalReady, CalPLUS Access, and the Dream For All Shared Appreciation Loan program. These programs assist low to mid-income California homebuyers with deferred payment second loans for down payment and closing cost assistance.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Deephaven Mortgage: Non-QM wholesale lender focused on DSCR, bank statement, and other non-prime products for brokers. Competes head-to-head with LendingPros' Non-QM Core Flex and DSCR 5-8 programs.
• Rocket Pro TPO: Wholesale broker channel of Rocket Mortgage, providing broker partners with conventional, government, and specialty loan programs via a technology platform. Directly competes for broker-sourced originations with LendingPros.
• Caliber Home Loans: Large wholesale and correspondent mortgage lender offering conventional, government, and Non-QM products through broker and lender partners. Direct competitor in wholesale origination market.
• Angel Oak Mortgage Solutions: Wholesale Non-QM specialist serving mortgage brokers with bank statement, DSCR, and other non-agency programs. Closest direct competitor in the Non-QM wholesale segment where LendingPros holds the #1 ranking.
• Homepoint: Wholesale and correspondent mortgage lender with significant broker channel volume and a diversified product set. Comparable to LendingPros across broker-sourced conventional and government origination.
• Plaza Home Mortgage: Top-tier wholesale mortgage lender with extensive broker relationships and a broad product menu including Non-QM and government products. Competes for the same broker-sourced origination volume as LendingPros.
• PRMG (Paramount Residential Mortgage Group): National wholesale and retail mortgage lender with strong broker channel and broad product set including Non-QM. Comparable to LendingPros in scale and broker-channel focus.
• United Wholesale Mortgage (UWM): The largest wholesale mortgage lender in the U.S., operating exclusively through mortgage brokers via a proprietary technology portal. Direct head-to-head competitor for broker-sourced origination volume across Conventional, Government, and Non-QM products.
• NewRez (Newcastle Investment Trust / Shellpoint): Major wholesale, retail, and correspondent mortgage lender with a broad product set and significant broker-channel presence. Overlaps with LendingPros across Conventional, Government, and specialty programs.

Broad incumbents

• PennyMac Loan Services: Top-5 U.S. mortgage originator with significant wholesale, correspondent, and servicing operations. Overlaps with LendingPros in wholesale broker programs but operates at substantially larger scale across multiple channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
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• Instagraminstagram.com/lendingpros_

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LendingPros