About APB Wholesale
APB Wholesale
Mission Statement
American Pride Bank Wholesale, or “APB Wholesale,” is the wholesale arm of the mortgage division at American Pride Bank NMLS #402598. This website is for mortgage industry professionals only and is not directed at or intended for consumers.
At APB Wholesale, our vision is for every person to have access to the financial products, services, and knowledge they need to earn their American Dream. For APB Wholesale, that means working with brokers to make sure that everyone deserves a fair shot at homeownership. Our nonQM and specialized mortgage solutions cater to the distinct needs of every broker, and the borrowers they serve.
With over two decades of wholesale lending experience, our seasoned team prides ourselves on delivering outstanding customer service – every time. In every interaction, we commit to smooth, prompt loan closures, and a people-first mentality every step of the way. For mortgage brokers nationwide, we are your partners in getting to “yes.”
Choose APB, where we can work together to make sure your borrowers have the opportunity to achieve their dream of being a homeowner.
Your success is our pride.
Non-QM Mortgage Loans: Flexible Solutions for Unique Borrowers
At American Pride Bank, we know not every borrower fits a standard mold— and that’s exactly where our Non-QM solutions come in. If your borrower has been told “no” elsewhere, we’re here to help you turn that into a “yes.”
A Smarter Way to Serve Unique Borrowers
Self-employed clients. Real estate investors. Gig workers. Buyers with complex income or higher debt-to-income ratios. Non-QM loans were made for real people living real lives—and for brokers like you who make it all happen.
Our flexible Non-QM loan products are designed to meet today’s changing needs, with options that go beyond the typical W-2 and credit score checklist.
Why Brokers Choose Non-QM with APB
We take pride in working one-on-one with brokers to find smart solutions that close quickly and work the first time. Here’s what you—and your borrowers—can expect:
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Alternative income documentation – Bank statements, 1099s, tax returns—we work with it all
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Higher DTI flexibility – Perfect for those juggling complex financial responsibilities
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Manual underwriting – No algorithm guessing games, just expert driven decision-making
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Tailored solutions – No cookie-cutter loans here—just the right fit for your borrower’s unique story.
If your borrowers are like millions of others nationwide, a Non-QM mortgage may be a better fit for real life.
Who Can Benefit?
Our Non-QM solutions help you serve a wide range of borrowers, including:
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Self-employed professionals & freelancers
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Business owners
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Real estate investors
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Gig economy workers
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ITIN holders & foreign nationals
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Buyers of non-warrantable condos or condotels
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Those with higher debt-to-income ratios
Let’s Close More Loans Together
Yes, Non-QM loans may come with slightly higher rates or down payments— but they also open up doors that would otherwise stay closed.
And with American Pride Bank, you’re backed by a team that takes a handson approach to every file. No bots. No runaround. Just people ready to help you and your borrower win.
Let’s work together to bring homeownership within reach—for everyone.
