Submit once. Match with 200+ residential lenders. Keep more of every commission. Built for serious brokers — wherever you're licensed.
Or email us directly: submit@lendersaccess.com
No spam. No credit card. A real person will call you.
Our residential lender panel covers the full spectrum — from conforming purchase loans to non-QM jumbos. All NMLS-licensed. All California-compliant.
| Product | Loan Amounts | LTV | Min FICO | Broker Comp | Speed | Availability |
|---|---|---|---|---|---|---|
| Conventional Conforming | $100K–$766,550 | Up to 97% | 620 | Up to 2.75% | 15–25 days | All 50 States |
| FHA Purchase & Refi | $100K–$1,149,825 | Up to 96.5% | 580 | Up to 2.50% | 15–30 days | All 50 States |
| VA Purchase & IRRRL | $100K–No Limit | Up to 100% | 580 | Up to 2.50% | 20–30 days | All 50 States |
| Jumbo & Super Jumbo | $766K–$5MM+ | Up to 90% | 700 | Up to 1.75% | 21–35 days | All 50 States |
| Non-QM / Bank Statement | $200K–$3MM | Up to 85% | 620 | Up to 3.00% | 20–35 days | All 50 States |
| DSCR Investor Rental | $100K–$3MM | Up to 80% | 640 | Up to 2.75% | 21–30 days | All 50 States |
| Fix & Flip / Bridge | $150K–$5MM | Up to 90% of cost | 600 | Up to 2.00% | 5–10 days | All 50 States |
| Reverse Mortgage (HECM) | Per FHA limits | Per HECM table | No min | Up to 2.00% | 30–45 days | All 50 States |
Most brokers spend 12+ hours a week chasing lenders. Here's what happens when they stop.
We built Lenders Access because brokers were leaving money on the table. Our comp structure is transparent, uncapped, and built around one principle: the broker earns what the deal is worth.
"Our brokers average 2.75% on residential — compared to 1.5–1.75% going it alone. That's real money on every single file."
Your earned compensation is your earned compensation. We don't impose artificial ceilings or take back-end deductions from your payout.
All comp arrangements are structured in compliance with TILA/Reg Z broker compensation rules. No dual comp, no table-funded violations — clean paper on every deal.
Commissions are processed and paid within 3 business days of funding confirmation. No net-30, no waiting on lender ACH cycles.
Fund more, earn more. Our tiered comp schedule rewards production with higher base comp — not just a plaque on the wall.
From first submission to commission payout, we handle the back office so you stay in front of borrowers.
Every lender in our residential network is pre-vetted for NMLS licensing and state-level regulatory compliance. You submit clean. You close clean — wherever you operate.
Every residential lender in our network holds an active NMLS license and is authorized to lend in the states where they operate. In California, that means DFPI licensing under the California Financing Law (CFL) or DRE licensing. In your state, we verify the equivalent. We check compliance before every submission.
All broker compensation in our network is structured for compliance with Regulation Z Section 226.36 (no dual comp, no steering) and RESPA Section 8 (no kickbacks, no unearned fees). Our compliance team reviews comp arrangements on intake.
California's Homeowner Bill of Rights (HBOR), ECOA, HMDA, and Fair Housing compliance are non-negotiable for our lender panel. We only work with lenders who demonstrate clean regulatory track records with the CFPB and California AG.
Real brokers. Real results. No manufactured urgency.
"I was leaving at least half a point on every deal negotiating comp solo. Lenders Access locks in 2.75% across my conventional book. On 12 closings a month, that's real money — every month."
"The Non-QM match alone was worth the signup. I had three deals that didn't fit any of my existing lender relationships. Submitted through LA, had placements back in 6 hours. All three funded."
"I transitioned from commercial to residential and had zero lender relationships. Lenders Access gave me 200+ on day one. My account manager walked me through every submission. That's infrastructure money can't buy."
No fluff. Straight answers for serious brokers.
Join free. Live in 24 hours. 200+ residential lenders from day one.
No subscription. No setup fees. Your dedicated account manager reaches out within one business day to complete onboarding and get your first submission in the system.