Defy TPO (D3) is the wholesale lending division of Defy Mortgage, a Nashville-based Non-QM lender founded in 2022. We partner with mortgage brokers nationwide to help underserved borrowers — entrepreneurs, self-employed professionals, real estate investors, and gig economy workers — access flexible loan products that traditional lenders can't offer.
Our platform combines 100+ years of combined industry experience with AI-powered pricing and scenario tools, enabling brokers to close complex deals quickly and competitively. We specialize in DSCR loans, bank statement loans, asset depletion programs designed for borrowers who don't fit the conventional mold.
At Defy, we challenge the status quo of mortgage lending. If you thrive in a fast-paced, technology-forward environment and want to be part of a team redefining what's possible in Non-QM.