(Fort Lauderdale, FL) – As the mortgage industry evolves, Non-QM lending is rapidly becoming a crucial segment of the market, offering innovative solutions for borrowers who don’t meet traditional lending criteria. In 2024, the Non-QM market share stood between 4 and 8%, but it’s growing quickly, with volume having more than doubled over the past two years. As the market expands, A&D Mortgage has positioned itself as a leader in this space, becoming the #1 Non-QM mortgage lender and a trusted partner for brokers nationwide.
Non-QM: A Key to Unlocking Future Growth
According to Max Slyusarchuk, CEO and Founder of A&D Mortgage, the company has capitalized on the Non-QM market’s resurgence post-pandemic. “The demand for Non-QM products has surged, particularly as more borrowers seek flexible options outside conventional loans. As the #1 Non-QM lender, we are proud to offer diverse solutions for borrowers who fall outside traditional qualification standards,” said Slyusarchuk.
Today, Non-QM loans serve a critical segment of borrowers, including the self-employed, investors, and foreign nationals. These loans offer flexibility through products like bank statement loans and interest-only mortgages, allowing A&D Mortgage to provide solutions that fit a wider range of financial profiles. As the borrower profile in the Non-QM space continues to improve, risks such as delinquencies still exist due to economic turbulence, but A&D remains prepared to manage these challenges.
The Outlook for Non-QM Lending in 2025
Looking toward 2025, industry analysts are optimistic about the Non-QM market’s growth potential, especially with the possibility of rate cuts from the Federal Reserve. “The Non-QM segment is positioned to benefit significantly from these rate cuts. We expect to see exponential growth in the next few years as more borrowers turn to these products,” said Alex Suslov, Head of Capital Markets at A&D Mortgage.
As the Non-QM market continues to expand, A&D Mortgage has its eyes on broadening its offerings and deepening its relationships with broker partners. In 2024, the company saw $10 billion in originations, and its servicing portfolio has grown to more than $8 billion. This growth reflects the company’s dedication to meeting the needs of borrowers who may not qualify for conventional loans.
Strategic Partnerships Drive Future Success
To further fuel its growth, A&D Mortgage recently entered into a joint venture (JV) with Atlas Merchant Capital, a move that will help the company expand its $7 billion mortgage securitization platform. This partnership supports the securitization of Non-QM loans and provides a broader range of investment opportunities. “This partnership with Atlas Merchant Capital allows us to bring our business to the next level, offering more opportunities for our borrowers and investors alike,” said Slyusarchuk.
Victor Kuznetsov, Founder and Managing Partner of Imperial Fund, echoed the excitement about this partnership, noting, “Our collaboration with Atlas is a key milestone for us. It allows us to offer top-tier investment opportunities while continuing to expand the Non-QM market’s footprint.” Their recent transaction, backed by $370 million in mortgage collateral, marks a significant step forward for the securitization platform.
The Future of Non-QM: A&D Mortgage Leading the Charge
With an optimistic outlook for the Non-QM sector in 2025 and beyond, A&D Mortgage remains at the forefront of this dynamic market. Strategic partnerships, innovative products, and a commitment to broker success continue to define the company’s leadership. As more borrowers seek flexible mortgage solutions, A&D Mortgage is poised to lead the charge in Non-QM lending, driving innovation and growth across the industry.
