Florida mortgage brokers serve clients with different financing needs, from first-time buyers and entrepreneurs to retirees and rental-property investors. Finding the right wholesale lending partner means looking beyond a rate sheet to the available programs, property requirements and support behind each loan. 

Wholesale mortgage lenders work with independent mortgage brokers to finance loans. Brokers help borrowers compare suitable programs and manage applications, while lenders underwrite and fund the financing. 

This shortlist focuses on wholesale lenders headquartered in Florida, with AD Mortgage featured first for its combination of conventional and specialized financing. The order reflects an editorial assessment of published offerings rather than a ranking by market share, pricing or closing performance. The best fit will depend on the borrower, property and loan scenario. 

1. AD Mortgage 

Based in: Fort Lauderdale, Florida 
Specialty: Conventional and Non-QM lending 

AD Mortgage is a wholesale Florida-headquartered mortgage lender with non-QM and conventional programs for a variety of borrower profiles. Its offerings include conventional financing, bank statement loans for eligible self-employed borrowers and debt service coverage ratio, or DSCR, loans for rental-property investors. 

Financing options for warrantable and non-warrantable condominiums also make AD Mortgage relevant to brokers working with Florida condo buyers. Its range of traditional and alternative documentation programs allows brokers to evaluate different financing needs through one lending relationship.

Best for: Brokers handling conventional purchases, self-employed borrowers, rental investors and condominium scenarios. 

2. Lendz Financial 

Based in: Fort Lauderdale, Florida 
Specialty: Non-QM wholesale lending 

Lendz Financial is a direct wholesale residential mortgage lender focused on Non-QM financing. Its published program lineup includes DSCR, bank statement, foreign national, 1099 and profit-and-loss documentation options. 

Its wholesale platform provides pricing tools, mortgage calculators, program guidelines and bank statement review requests. These resources give brokers a starting point for evaluating borrowers whose circumstances may require alternatives to traditional income documentation.

Best for: Brokers seeking a Florida-based Non-QM specialist for self-employed borrowers, investors and foreign national scenarios. 

3. Foundation Mortgage 

Based in: Miami Beach, Florida 
Specialty: Non-QM and specialized investor financing 

Foundation Mortgage works with independent mortgage brokers through its wholesale division and also offers a non-delegated correspondent channel. Its published product mix includes bank statement, asset depletion, DSCR and foreign national financing. 

The lender also lists programs for small residential properties with up to 10 units and mixed-use properties with up to eight units, subject to program requirements. This makes Foundation an option to consider when a broker’s pipeline includes specialized investment-property scenarios. 

Best for: Brokers evaluating alternative income documentation, foreign national borrowers and small multifamily or mixed-use investment properties. 

4. Florida Capital Bank Mortgage 

Based in: Jacksonville, Florida 
Specialty: Agency, government, jumbo and bank portfolio lending 

Florida Capital Bank Mortgage offers wholesale financing through Florida Capital Bank, a Jacksonville-headquartered bank. Its published lending categories include agency, non-agency, jumbo, FHA, VA and bank portfolio solutions. 

Its broker resources include product information, submission guidance, underwriting materials and published turnaround times. The lender also advertises bridge financing for eligible homeowners looking to buy before selling their existing property.

Best for: Brokers seeking a Florida-based bank partner for traditional mortgage programs, jumbo loans and portfolio financing. 

Why Florida experience matters 

Condominium eligibility, insurance coverage and association finances can affect a Florida transaction. Brokers should identify the property reviews and supporting documents required by the selected program early in the process. 

Accurate insurance estimates also help brokers assess borrower affordability and investor cash flow. A Florida headquarters provides local context, but experience with the specific property and loan type remains an essential part of choosing a lending partner. 

What to look for in a wholesale lender 

Compare complete pricing, including rates, fees and lock terms. Confirm how the lender calculates income and whether the property meets the selected program’s requirements. 

Ask who handles scenario questions, how underwriting conditions are communicated and how current turnaround times align with the purchase contract. Evaluate whether the lender’s technology makes submissions, document delivery and status tracking easier. 

For specialized files, review the relevant guidelines before submitting. Bank statement calculations, condominium requirements and investor qualification methods can vary by lender and program. 

How to apply through a wholesale lender 

Start by defining the borrower’s circumstances, property type and financing needs. Compare eligible programs and request pricing through an approved broker relationship. 

Next, submit the application with the required income, asset and property documentation. Work with the lender to resolve underwriting conditions and coordinate closing. 

For Florida brokers, the right wholesale partner combines suitable programs with a process that supports the specific file. AD Mortgage, Lendz Financial, Foundation Mortgage and Florida Capital Bank Mortgage offer Florida-based options to include in that comparison. 

Lender locations and published offerings reviewed Oct. 9, 2026. Program availability and eligibility are subject to current lender guidelines.