What are some home mortgage lenders that do not use fannie Mae?

Some home mortgage lenders that do not use Fannie Mae include credit unions, regional banks, and private mortgage companies. Lenders such as Quicken Loans, Rocket Mortgage, and LoanDepot often have their own underwriting guidelines and may offer non-conforming loans. Additionally, portfolio lenders keep loans in-house rather than selling them to Fannie Mae or Freddie Mac, allowing for more flexible lending criteria. Always check with individual lenders for their specific offerings and requirements.