Mortgage Lenders & Originators

It starts with a loan application to the warehouse lender, who evaluates creditworthiness, property value and loan-to-value ratio before extending a revolving line of credit. As loans are closed and sold to investors, the originator repays the line — and those funds become available again to close the next loan.

Interest accrues daily on the outstanding balance, typically based on an index like the prime rate plus a spread that reflects the risk profile of the loans. It’s a straightforward structure designed to keep things transparent for mortgage originators.

Yes — warehouse lenders may charge fees for administration, wire transfers and collateral review, all of which help cover the cost of managing and maintaining the line. At Customers Bank, our experienced team walks you through exactly what to expect so there are no surprises.

Warehouse lending gives mortgage companies the capital flexibility to act fast when market opportunities arise, manage cash flow without interruption and quickly shift loan risk off their books by selling to investors. It’s a smarter way to scale without being slowed down by funding gaps.

As a warehouse lending investor, you’re providing short-term lines of credit to businesses using their inventory or raw materials as collateral — and when those goods sell, you get repaid plus interest. Loan durations typically run a few weeks to several months, letting you recycle capital quickly and generate a steady income stream.

Warehouse lending stands out because it offers higher interest rates than traditional lending, built-in diversification across industries and the satisfaction of directly fueling business growth. It’s a tangible, asset-backed way to put your capital to work.

Like any investment, warehouse lending comes with risks — including borrower default, market fluctuations and shifts in collateral value — so due diligence and portfolio diversification are essential. Staying informed and working with an experienced lender like Customers Bank help you navigate those challenges with confidence.

We’re built to support how you actually operate. That means combining flexible solutions, responsive service and technology that keeps you moving.

• Diverse loan offerings: We support a wide range of loan programs — including niche products — so you can adapt as your business evolves.
• A single point of contact: You’ll work with a dedicated relationship manager, backed by accessible operations team members who know your business and respond quickly.
• Real-time visibility: Access reporting 24/7, with electronic file delivery that keeps your pipeline moving without delays.
• eNote capabilities: These are built to support digital workflows and help you close faster, with confidence.
• Practical, experienced decision-making: Our credit and underwriting approach is grounded in real-world experience — clear, consistent and built to keep deals moving.

Yes. See our full suite of personal banking services.

Customers Bank was founded in 2009 with one goal in mind: to enable our customers’ prosperity. Founded and built by bank industry veterans, we understand that true innovation is powered by people. We pride ourselves on:

1. Customer focus, first and always. Our success is defined by our ability to serve our customers — today and in the future. We invest in new product solutions and industry innovations that translate into a better banking experience for our customers.
2. Exceptional service, redefined. Our Single Point of Contact model means that we know our customers by name, deliver personalized service and identify business solutions that address the unique needs of each customer.
3. A strong and sustainable model. Customers Bank is one of the nation’s top-performing banking companies. Founded in 2009, today we are among the 80 largest bank holding companies in the U.S. — all powered by organic growth.

Read more about what sets us apart — including our industry-leading Net Promoter Score.