The professional is part of the access path
Wholesale lenders approve brokers and lender partners to access their products and pricing. The participating professional handles eligibility, disclosures, documentation, lender communication, and the steps required to close the loan.
Access varies by scenario
A logo or wholesale relationship does not mean every product is available to every borrower. State licensing, loan purpose, credit, property, loan amount, loan-to-value ratio, occupancy, and program rules all affect availability.
LenderCity compares what is actually returned
LenderCity does not treat every wholesale lender as automatically available. When eligible live offers are returned, Lenny compares their disclosed numbers and explains the tradeoff.
What could change the answer?
- The licensed professional and wholesale approvals involved.
- State, property, occupancy, purpose, loan size, program, and credit profile.
- Current lender capacity, pricing adjustments, and lock availability.
- Whether the consumer’s scenario is complete and accurate.