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10 Best Non-QM Lenders in Arkansas

This ranking identifies the ten strongest Non-QM lenders operating in Arkansas, evaluated on state presence, product depth, borrower fit, and channel accessibility. It is designed for mortgage brokers, self-employed borrowers, and real estate investors who need financing outside conventional agency guidelines. Use it to quickly identify which lenders are best aligned with your specific loan scenario in Arkansas.

LoanWise Editorial Team

Isometric miniature scene of an Arkansas city block with a capitol building, mortgage office, residential homes, and small figures exchanging loan documents.

Arkansas may not dominate national mortgage headlines, but its real estate market presents meaningful opportunities for borrowers and investors who fall outside the boundaries of conventional agency lending. From the rental markets of Little Rock and Fayetteville to self-employed professionals across the state's growing corridors, a significant share of Arkansas borrowers require income documentation, property types, or qualification structures that traditional lenders simply cannot accommodate. That gap is precisely where Non-QM lending becomes essential.

Non-Qualified Mortgages — commonly called Non-QM loans — are mortgage products that do not conform to the ability-to-repay documentation standards required by Qualified Mortgage rules. Rather than relying solely on W-2 income and standard debt-to-income calculations, Non-QM lenders may qualify borrowers using bank statements, 1099 income, DSCR cash flow analysis, asset utilization, or other alternative documentation methods. For Arkansas's self-employed professionals, real estate investors, and borrowers with complex financial profiles, these products can be the difference between securing financing and being turned away entirely.

The lenders featured in this ranking were evaluated across several key dimensions relevant to Arkansas borrowers and brokers:

  • Verified Arkansas market presence — including state-specific pages, licensing, and territory coverage
  • Program depth — the breadth of Non-QM products offered, such as bank statement, DSCR, asset-utilization, and second-lien options
  • Channel alignment — whether the lender serves borrowers directly, through wholesale broker networks, or both
  • Borrower segment fit — how well the lender addresses self-employed, investor, or non-standard qualification scenarios
  • Transparency and accessibility — the clarity of public-facing information available to brokers and borrowers in Arkansas

Whether you are a mortgage broker placing complex files, a self-employed professional seeking flexible income documentation, or a real estate investor evaluating DSCR financing for Arkansas rental properties, this ranking is structured to help you quickly identify the most relevant lending partners for your situation.

#1

Angel Oak Mortgage Solutions

Leading Arkansas wholesale Non-QM lender for brokers

Arkansas Presence

State-specific territory page

Channel

Wholesale

Core Focus

Non-QM mortgages

State Contacts Shown

1+

Official State URL

/territory/ar/

Angel Oak Mortgage Solutions stands out in Arkansas for its dedicated state-level wholesale Non-QM presence and deep specialization in alternative documentation lending. It is especially relevant for brokers serving self-employed borrowers, investors, and borrowers needing flexible income qualification.
#2

Deephaven Mortgage

Broad Arkansas Non-QM platform for investors and self-employed

Arkansas Presence

State-specific lender page

Channel

Wholesale

Program Types Mentioned

4+

Core Focus

Non-QM lending

Official State URL

/non-qm-lender-arkansas/

Deephaven Mortgage offers one of the clearest Arkansas Non-QM lender pages and a broad program menu that includes bank statement, DSCR, asset-utilization, and closed-end second lien solutions. Its product depth makes it a top choice for Arkansas brokers placing complex non-agency loans.
#3

A&D Mortgage

Expanding wholesale Non-QM lender now active in Arkansas

Arkansas Licensing Status

Active expansion announced

States Entered in Expansion

6

Expansion Timeframe

45 days

Channel

Wholesale

Core Focus

Non-QM lending

A&D Mortgage is a national Non-QM wholesale lender that expanded into Arkansas, making it relevant for brokers seeking additional alternative-doc and investor financing options. Its reputation in the wholesale Non-QM channel supports borrowers with more complex files outside agency rules.
4
#4

Brokers First Funding

Arkansas wholesale lender centered on bank statement and DSCR

Arkansas Presence

State-specific page

Channel

Wholesale

Programs Highlighted

2+

Licensing Note

Arkansas brokerage license required

Official State URL

/states/arkansas

Brokers First Funding is highly relevant in Arkansas because it maintains a state-specific page and clearly addresses licensing requirements for broker partners. Its emphasis on bank statement and DSCR programs fits self-employed borrowers and rental property investors well.
5
#5

Capital Home Mortgage

Arkansas-focused lender with direct Non-QM consumer access

Arkansas Presence

State-specific retail page

Phone

(501) 588-7399

Channels

Retail direct lending

Product Scope

Traditional and non-traditional loans

Official State URL

/arkansas/

Capital Home Mortgage offers Arkansas-specific retail mortgage coverage with a visible Non-Qualified Mortgage lineup for borrowers needing flexible underwriting. It is attractive for homebuyers and owners who want a direct lender with both traditional and nontraditional loan options in-state.
6
#6

Acra Lending

National Non-QM lender with strong investor loan relevance

Channel Focus

Mortgage lending

Programs Highlighted

3+

Core Focus

Non-QM lending

Borrower Segments

Self-employed and investors

Acra Lending is a recognized Non-QM-focused lender with products such as bank statement, DSCR, and asset-based financing that align well with Arkansas self-employed borrowers and real estate investors. Its specialization makes it more relevant than broad retail lenders with only a small Non-QM segment.
7
#7

Carrington Mortgage Services

Scaled national lender with established Non-QM options

Channel Focus

Mortgage lending and servicing

Core Focus

National mortgage lender

Programs Highlighted

Bank statement and investor options

Borrower Segments

Non-QM and flexible qualification

Carrington Mortgage Services brings national scale and a known Non-QM platform to Arkansas borrowers who need flexible income documentation or investor-friendly solutions. It is especially useful for audiences wanting a larger platform with broader mortgage servicing and origination capabilities.
8
#8

Griffin Funding

Strong consumer Non-QM brand for self-employed borrowers

Programs Highlighted

4+

Core Focus

Non-QM and alternative-doc mortgages

Borrower Segments

Self-employed and investors

Channel

Direct consumer lending

Griffin Funding is a strong fit for Arkansas borrowers seeking 1099, bank statement, DSCR, and asset-based mortgage options through a consumer-facing Non-QM brand. Its alternative-income orientation is especially practical for self-employed professionals and property investors.
9
#9

Mbanc

Arkansas investment-property-only Non-QM lender for DSCR borrowers

Arkansas Presence

State-specific page

Occupancy Scope

Investment property only

Programs Highlighted

4

Owner-Occupied Lending

Not offered in Arkansas

Official State URL

/arkansas/investment-clear-approval/

Mbanc is highly targeted for Arkansas investors because it clearly states its state availability and focuses exclusively on non-owner-occupied investment property financing. Its mix of DSCR, 1099, bank statement, and asset-utilization options is well aligned with rental property acquisition and refinance use cases.
10
#10

SecurityNational Mortgage Company

Broad Arkansas mortgage lender with available Non-QM options

Arkansas Presence

State page plus branch presence

Branch NMLS Example

857589

Programs Mentioned

6+

Core Products

Conventional, FHA, VA, USDA, Jumbo, Non-QM

Official State URL

/ar/

SecurityNational Mortgage Company is active in Arkansas and offers Non-QM alongside jumbo, construction, and agency products, making it useful for borrowers who want flexibility within a broader mortgage menu. It is less Non-QM-specialized than top-ranked lenders but benefits from visible in-state presence.

●Conclusion

Choosing the right Non-QM lender in Arkansas requires more than identifying who offers alternative-documentation products — it requires matching the lender's specific strengths to your financing scenario. A broker placing a DSCR loan for an investor acquiring a Little Rock rental property has very different needs than a self-employed borrower in Fayetteville seeking a bank statement purchase loan. The lenders ranked here reflect that diversity, ranging from dedicated wholesale Non-QM specialists to consumer-facing platforms and investment-property-only programs.

As you evaluate your options, consider the following factors carefully:

Channel fit: Most top-ranked lenders on this list operate through the wholesale broker channel, meaning borrowers access them through a licensed mortgage broker rather than directly. If you are a borrower without an existing broker relationship, identifying a retail or consumer-direct lender on this list may better serve your immediate needs. If you are a broker, the wholesale options here offer strong product depth and Arkansas-specific infrastructure.

Program alignment: Confirm that the lender offers the specific Non-QM product type your scenario requires — whether that is a bank statement loan, DSCR rental financing, 1099 income qualification, asset-utilization, or a closed-end second lien. Not every lender on this list covers all program types equally, and product availability can vary by loan amount, property type, and borrower profile.

Arkansas licensing and state presence: Prioritize lenders with confirmed Arkansas state licensing and visible in-state activity. Lenders with dedicated Arkansas-specific pages and established broker relationships in the state are generally better positioned to close loans efficiently within local market timelines.

Rates, fees, and qualification thresholds: Non-QM pricing is inherently more scenario-dependent than agency lending. Rates will reflect the additional risk layering involved in alternative-documentation products, and fees can vary meaningfully between lenders. Request scenario-specific pricing from multiple lenders before committing to any one platform, and ensure you understand minimum credit score requirements, maximum LTV limits, and reserve requirements for your loan type.

Lender experience with your borrower type: Some lenders on this list specialize almost exclusively in investor scenarios such as DSCR and asset-based programs, while others are better calibrated for owner-occupied borrowers using bank statement or 1099 income. Aligning with a lender that regularly handles your borrower profile reduces friction and improves execution certainty.

Arkansas's Non-QM market continues to develop as more national wholesale platforms establish state-level infrastructure and as local demand from self-employed borrowers and real estate investors grows. Comparing at least two to three lenders from this ranking before making a final decision will give you meaningful leverage in negotiating terms and confirming the best structural fit for your financing strategy.

Keywords:Mortgage