Independent originators rely on various warehouse lines from banks to provide short-term financing to fund mortgage loans. Each warehouse line has unique terms, capacity, and constraints, making the warehouse funding decision nearly impossible to figure out. Static decision trees and allocator tools are significantly sub-optimized as they are not designed to consider the everchanging production environment, such as future fundings and settlements. OptiFunder was created to optimize where originators should fund every loan. It has since evolved to a fully integrated and automated Warehouse Management Platform.