Best Non-QM Lenders in Colorado (2026)
Compare non-qm lenders serving Colorado self-employed borrowers. We found 12 lenders offering non-qm loans in Colorado — see rates, LTV, credit requirements, and expert reviews below.
Self-Employed Borrowers in Colorado
Colorado has a flat state income tax, and its strong tech and outdoor-recreation economy supports many self-employed and contract workers. Denver, Colorado Springs, and Fort Collins have growing populations of consultants and small-business owners. Bank statement and non-QM lenders serve the state.
The self-employed economy in Colorado
Colorado’s self-employed base clusters around Denver’s technology and professional-services economy, the outdoor-recreation and tourism trades along the Front Range and mountain towns, and a large population of remote workers and independent consultants who relocated during the last decade of in-migration. Fast home-price growth has pushed qualifying loan amounts in the Denver-Boulder corridor well above the national norm, so how much income a self-employed buyer can document directly determines what they can afford.
Documenting self-employed income in Colorado
Colorado’s flat state income tax still leaves self-employed owners deducting to lower their federal liability, so returns frequently understate real cash flow. Bank-statement and 1099 income programs are common answers for consultants and contractors whose deposits tell a stronger story than their Schedule C, and add-back-aware underwriting — restoring depreciation, home-office, and other non-cash deductions — helps buyers keep pace with the region’s elevated prices.
Key Markets
Typical Rates
7.0%–10.0% (approx.)
Max LTV
Up to 90% (program-dependent)
Typical Terms
30-year fixed or ARM
Min Credit
600–660
Non-QM Lenders Serving Colorado
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Griffin FundingFeatured | 7.25%–9.75% | 90% | 620 | $100K–$5M | 21–35 days | 4.5 |
| Angel Oak Mortgage Solutions | 7%–9.75% | 90% | 620 | $100K–$4M | 25–40 days | 4.5 |
| New American FundingFeatured | 7%–9.5% | 90% | 620 | $100K–$5M | 21–40 days | 4.0 |
| Newfi LendingFeatured | 7.25%–9.75% | 90% | 620 | $100K–$4M | 21–35 days | 4.0 |
| Northpointe BankFeatured | 7%–9.5% | 85% | 640 | $100K–$3M | 25–40 days | 4.0 |
| Carrington Mortgage Services | 7.25%–10% | 85% | 600 | $100K–$4M | 25–45 days | 4.0 |
| Deephaven Mortgage | 7%–9.75% | 90% | 620 | $100K–$4M | 25–40 days | 4.0 |
| Acra Lending | 7.25%–10% | 90% | 600 | $100K–$4M | 25–45 days | 4.0 |
| A&D Mortgage | 7.25%–9.99% | 90% | 620 | $100K–$5M | 25–45 days | 4.0 |
| Newrez | 7%–9.75% | 90% | 620 | $100K–$4M | 25–40 days | 3.5 |
| LoanStream Mortgage | 7.25%–9.99% | 90% | 620 | $100K–$4M | 25–45 days | 3.5 |
| Champions Funding | 7.25%–10% | 90% | 600 | $100K–$5M | 25–45 days | 3.5 |
Griffin Funding
4.5Griffin Funding is a consumer-direct lender that has built much of its brand around non-QM lending for the self-employed. Borrowers can apply directly online — no broker required — across bank statement, asset-based, 1099, and P&L programs in addition to conventional and VA loans.
7.25%–9.75%
90%
620
21–35 days
$100K–$5M
No experience required
Angel Oak Mortgage Solutions
4.5Angel Oak Mortgage Solutions is one of the largest and most established non-QM lenders in the country, with the broadest self-employed menu in the market. Important for consumers: Angel Oak Mortgage Solutions is a wholesale lender — you cannot apply directly and must work through a mortgage broker.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
New American Funding
4.0New American Funding (NAF) is one of the largest privately held mortgage lenders in the country, offering a full retail menu that includes non-QM options for self-employed borrowers alongside conventional, FHA, VA, and jumbo loans. Borrowers apply directly through NAF.
7%–9.5%
90%
620
21–40 days
$100K–$5M
No experience required
Newfi Lending
4.0Newfi Lending is a non-QM specialist that operates a genuine consumer-direct retail channel in addition to wholesale. Self-employed borrowers can apply directly for bank statement, asset-utilization, 1099, and ITIN programs without going through a broker.
7.25%–9.75%
90%
620
21–35 days
$100K–$4M
No experience required
Northpointe Bank
4.0Northpointe Bank is an FDIC-insured chartered bank that portfolios select non-QM products, letting self-employed borrowers apply directly for bank statement, asset-depletion, and P&L programs. As a depository institution, it underwrites and holds some of these loans itself.
7%–9.5%
85%
640
25–40 days
$100K–$3M
No experience required
Carrington Mortgage Services
4.0Carrington Mortgage Services is a vertically integrated lender and servicer with a deep non-prime and non-QM focus. Its "Flexible Advantage" series targets self-employed and credit-challenged borrowers, and consumers can apply directly through Carrington's retail channel.
7.25%–10%
85%
600
25–45 days
$100K–$4M
No experience required
Deephaven Mortgage
4.0Deephaven Mortgage is a pure non-QM lender (owned by Pretium) that has focused exclusively on alternative-documentation loans since 2012. For consumers, the key point is that Deephaven is wholesale and correspondent only — you reach its programs through a mortgage broker, not directly.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
Acra Lending
4.0Acra Lending (formerly Citadel Servicing) is one of the oldest and largest dedicated non-QM lenders and an active securitizer. It is a wholesale lender — consumers reach its bank statement, 1099, P&L, ITIN, and other programs through a mortgage broker rather than applying directly.
7.25%–10%
90%
600
25–45 days
$100K–$4M
No experience required
A&D Mortgage
4.0A&D Mortgage is a Florida-rooted, nationwide non-QM specialist serving thousands of broker partners and an active issuer of non-QM securitizations. It is a wholesale and correspondent lender — borrowers reach its full self-employed menu through a mortgage broker.
7.25%–9.99%
90%
620
25–45 days
$100K–$5M
No experience required
Newrez
3.5Newrez is a large national lender and servicer (part of Rithm Capital) offering its "Smart Series" of non-QM products. It operates both retail and wholesale channels — consumers can apply directly, though the broadest non-QM guidelines often live on the broker side.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
LoanStream Mortgage
3.5LoanStream Mortgage offers a well-known non-QM line branded "NanQ," covering bank statement, 1099, P&L, asset, and ITIN programs. The NanQ line is a wholesale staple — consumers reach it through a mortgage broker rather than applying directly.
7.25%–9.99%
90%
620
25–45 days
$100K–$4M
No experience required
Champions Funding
3.5Champions Funding is a 100% non-QM lender and a Treasury-designated Community Development Financial Institution (CDFI), a status that supports more flexible, exception-based underwriting for underserved borrowers. It is a wholesale lender — consumers apply through a mortgage broker.
7.25%–10%
90%
600
25–45 days
$100K–$5M
No experience required
About Non-QM Loans in Colorado
A non-QM (non-qualified mortgage) is any home loan that falls outside the Consumer Financial Protection Bureau’s Qualified Mortgage rules — usually because it verifies income differently than agency loans. Non-QM is the umbrella that covers bank statement, 1099, P&L, asset-depletion, and ITIN mortgages.
Colorado self-employed borrowers use non-qm loans for self-employed and business-owner borrowers and buyers who do not fit conventional or fha guidelines. Compare non-qm terms from multiple lenders to find the best fit for your Colorado home financing.
Demand for non-qm financing in Colorado clusters around Denver, Colorado Springs, Aurora, and other metros, where self-employed buyers and small-business owners are most concentrated. Because every lender below is licensed nationwide, Colorado borrowers can apply with any of them — compare the rate, LTV, and documentation terms above to find your fit.
How Self-Employed Income Qualifies in Colorado
The deductions that lower your taxable income also lower the income a lender counts — which is why many self-employed Colorado borrowers are told they “don’t qualify” on paper. These guides explain how underwriters actually calculate qualifying income, and how to claim the add-backs you’re owed.
Other Loan Types in Colorado
Non-QM Lenders in Nearby States
Run the Numbers on Your Colorado Mortgage
Use our free calculator to see how your Colorado home financing works with Non-QM qualifying.