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Matrix: Warehouse Lending Facilities
Search matrix: ScotsmanGuide.com/Warehouse
Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production cycle and dynamic nature of the industry, loan product
terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program details. If you believe data is inaccurate or misrepresented, please e-mail: email@example.com.
Tell lenders you found them in Scotsman Guide
Atlantic Coast Bank
CONTAC T: Michelle Wright
2 0 500K BOTH 620 2M 20M Y Y Y Y Y Y Y Y Y
NATIONWIDE We work with customers to provide a customized product that fits their needs. We offer personal attention and same-day funding so that you get
what you need when you need it.
BofI Federal Bank
CONTACT: Warehouse Lending Division
2 0 1.5M BOTH 0 5M 55M 99 Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y
NATIONWIDE Aggressive LIBOR-based pricing, repurchase facility.
First Guaranty Mortgage Corporation
CONTAC T: Ken Jones, firstname.lastname@example.org
1 0 200K LIBOR 580 2M 15M Y Y Y Y Y Y Y Y Y Y Y
NATIONWIDE Call First Guaranty’s Warehouse Lending division today for exceptional service.
A true non-captive warehouse line where the business owner is in control.
Florida Capital Bank
CONTAC T: Jacqueline Ring, email@example.com
4 0 75K PRIME 620 1M 20M 0 0 Y Y Y Y Y Y Y Y Y Y Y Y
NATION WIDE except: AK HI Dedicated team with personalized service. 99% funding. Specifically for emerging and existing mortgage bankers. TPOs.
No non-usage fees. Rapid approval process. No app. fee.
CONTAC T: Monroe B. Thrower III
0 0 0 BOTH 640 1M 40M Y Y Y Y Y Y Y Y Y Y Y
NATIONWIDE except: AK HI NY Warehouse funding since 1998! Broker-to-banker welcome; 100% advance rates; no non-usage fees; flexible terms.
Goldome Financial LLC
CONTAC T: Steve Harris
0 0 75K PRIME 580 1M 25M Y Y Y Y Y Y Y Y Y
NATIONWIDE except: NY Warehouse solutions for emerging bankers through fully delegated correspondents. New entities considered. No non-usage fee.
Horizon Bank NA
CONTAC T: Kori Riggs
2 0 500K PRIME 620 3M 40M Y Y Y Y Y Y Y Y Y Y Y
NATION WIDE Repurchase facility, same-day funding, online requests, TPOs.
CONTAC T: See website
0 0 75K BOTH 580 1M 20M Y Y Y Y Y Y Y Y Y Y Y Y Y
NATION WIDE except: AK HI N Y Since 2004, NattyMac has been an effective warehouse lender, funding both emerging and existing mortgage bankers.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 LENDER NAME
21 Conventional residential
23 Government insured
25 Hard money (Nonprime)
27 Repossession/gestation LOC
28 Commercial or mixed-use
29 Servicing-advance lines
PRODUC TS OFFERED
The Warehouse Lending Facilities matrix
includes the lender requirements and
products offered to mortgage bankers and
brokers who want to fund mortgage loans
in-house. This matrix includes the Warehouse
Facility, the Repurchase Facility, the Line of
Credit, and the Purchase and Sale Facility
models for interim mortgage funding.
4 LIBOR, prime, both or other pricing
5 Minimum loan FICO score (0-850)
6 Minimum funding amount offered ($M)
7 Maximum funding amount offered ($M)
8 Minimum liquidity percentage required
9 Max. carve-out for non-Qualified-Mortgages
APPLICANT-COMPANY CHARAC TERISTICS
WAREHOUSE-FACILIT Y CHARACTERISTICS
10 Flexible net worth requirements
11 Personal guaranty required
12 100% funding (no haircut)
13 Broker to banker offered (training)
14 Multistate funding
15 Wet funding
16 Dry (note in house) funding
17 Electronic submission and reporting
18 Correspondent lending offered
19 Scratch and dent remedy for repurchase
20 Third-party originations allowed (TPOs)
1 Years in business
2 Monthly origination volume ($K)
3 Corporate net worth (min. required $K)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29