MORTGAGE ORIGINATORS

Simplify funding through loan sale.

Optimize and automate the entire warehouse lending process

With OptiFunder, you can automate your entire funding through loan sale process, from decisions to paydowns and everything in between, saving you time and resources.

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optifunder funding automation
WHY CHOOSE OPTIFUNDER?

Reduce warehouse expense and eliminate manual post-closing processes.

For CEOs & CFOs

Reduce your 2nd biggest P&L line item, provide line reporting and aggregate ROE analytics for warehouse management.*

For Operations

Request hundreds of wires from multiple warehouse lenders and complete monotonous data entry tasks in seconds. 

For Accounting

Automate daily wire and purchase advice receipt, reconciliation and LOS updates with clean data and easy to extract reporting.

*If accurate Warehouse Terms are in place and OptiFunder decisioning is followed. User Overrides impact results.

Warehouse management is complicated and disconnected.

Independent mortgage originators utilize multiple revolving funding facilities to fund their loans, all of which have unique terms and restrictions making it impossible to know which line to use to fund every loan.

The mortgage originators’ systems are not connected to the warehouse lenders’ systems which are not connected to the document custodians’ systems creating inefficient and costly transactions.

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OptiFunder makes it easy by streamlining the process and connecting all participants.

OptiFunder leverages a proprietary optimization algorithm to optimize the loan funding decision and significantly reduce effective cost of warehouse.

OptiFunder integrates the mortgage originator, warehouse lender, document custodian, and investors providing a seamless funding transaction.

MAKE IT LESS COMPLICATED

Funding through loan sale has never been easier with highly configurable, automated workflows.

Take Control of Your Cost of Capital

Automatically optimize warehouse allocation decisions based on your strategic goals.

Eliminate Manual Tasks

Automate funding requests, wire instruction data checks, reporting, collateral shipping, purchase advice receipt and reconciliation, and paydown requests.

Manage & Increase Return on Investment

Gain real-time insights on your optimized expenses so you can make more strategic decisions.

AUTOMATE FUNDING THROUGH LOAN SALE

With connections to LOS, Warehouse Lenders, Investors, and Doc Custodians, true warehouse management is just a few clicks away.

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Warehouse Select

Cut funding expense by automatically selecting the best warehouse line every time.

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Wire Data Check

Reduce risk by automatically detecting wire instruction anomalies.

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Funding Automation

Maximize efficiency by automating all funding processes from one hub.

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Shipping Automation

Reduce dwell time by expediting shipping and fast-tracking payoffs.

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Purchase Advice

Streamline loan sales with automated Purchase Advice retrieval and reconciliation.

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Paydown Requests

Automate paydown requests to warehouse banks.

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Robust Analytics

Optimize your process with robust data analytics and actionable insights in real-time.

Improve The Bottom Line

Achieve Lowest Cost of Capital and Increase Return on Investment

OptiFunder uses machine learning and artificial intelligence (AI) to systematically decision where to fund loans on given warehouse lines based on unique loan eligibility characteristics, warehouse terms, pricing, and the lenders' financial objective.

Whether it is to achieve lowest cost of capital or return on equity, our propriety algorithm takes the manual guesswork out of warehouse lending.

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Real Savings Example

While interest rates rose rapidly, our client was able to reduce warehouse expense by nearly
2.65 bps and saved $710,949 over 23 months (or $30,911/month on avg.).

READ FULL CASE STUDY
PARAMETERS
  • Independent, retail mortgage lender
  • Licensed in 37 states
  • $101.7mm average monthly funded volume
  • Five warehouse facilities
RESULTS
  • Reduce warehouse expense by nearly 2.65 bps
  • Saved $30,911/month in warehouse expense
  • Reduced FTE resources by 2/3
TESTIMONIALS

Here's What Our Clients Have to Say

“By implementing OptiFunder, we’ve been able to optimize our warehouse bank selection with ease. Execution was a breeze, and we were thrilled to achieve quick ROI while consistently improving our spread. This technology has allowed us to expand our business efficiently and effectively.”

CEO, The Loan Store Phil Shoemaker

“We were an early OptiFunder customer and have since added every feature. We’re more efficient with OptiFunder, and able to focus more of our operations resources on supporting originations.”

CFO, GoPrime Mortgage Matthew Roberts

"After our OptiFunder demo, we knew we could achieve significant savings. We moved quickly to implement; within a month we were able to start reducing expenses and automating processes."

CFO, Neighborhood Loans Michael Kennemer

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