Revolutionizing Warehouse Management for Mortgage Lenders

OptiFunder is the industry's only optimization software built to systematically decision warehouse funding allocations and automate the complicated process of funding through loan sale.

What does that mean? We help customers achieve optimized cost of capital and reduce hours of manual data entry to a single click.

Optimize Cost of Capital, Integrate Data Flow, Expedite Fund to Sale

OptiFunder is the missing link between the primary origination process and the secondary market.

Streamlined Mortgage Process

OptiFunder was made to streamline your process.

OptiFunder leverages Predictive Analytics and a proprietary optimization algorithm to optimize the loan funding decision and save upwards of 10% of warehouse expense.

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

Current Convoluted Mortgage Process

Your current process is convoluted.

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 transaction.


You can reduce warehouse expense and eliminate manual post-closing processes for funding and accounting with OptiFunder.

For CEOs & CFOs

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

For Operations

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

For Accounting

OptiFunder automates daily wire and purchase advice receipt, reconciliation and LOS updates with 100% clean data and easy to extract reporting.

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

"We went from -30k interest expense before OptiFunder to $50k in positive carry per month with OptiFunder. OptiFunder is technology that actually does what it's supposed to do."


OptiFunder is transforming funding through loan sale with intelligent decisioning, automation and analytics.

Take Control of Your Cost of Capital

OptiFunder makes optimized warehouse allocation decisions based on your strategic goals...automatically.

Eliminate Manual Tasks

OptiFunder automates funding requests, wire instruction data checks, reporting, shipping and purchase advice receipt and reconciliation.

Manage & Increase Return on Investment

OptiFunder provides real-time reporting and robust analytics on your optimized expenses so you can make more strategic decisions.


OptiFunder is a complete Warehouse Management System (WMS).

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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.

Automated Loan Shipping Icon

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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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.

WMS Screenshots (2)

Integrated with nearly 100 warehouse banks, vendors and LOS systems

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.).


The client is an independent, retail mortgage lender licensed in 37 states. Average monthly volume funded during the period was $101.7mm, utilizing five warehouse facilities. 


The OptiFunder WMS has a rules-based decision engine which enables originators to optimize decisions to meet strategic objectives such as achieving the lowest cost of capital.


The number of FTE resources used for Funding processes was cut by 2/3 from 3 to 1. While interest rates rose rapidly, the client was able to reduce warehouse expense by nearly 2.65 bps and saved an average of $30,911/mo.


Here's What Our Clients Have to Say

“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.”

"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."

“The automation for funding and purchase advices has greatly improved our efficiency. The OptiFunder team has a genuine interest in listening to their clients’ feedback and delivering dynamic enhancements to an already impressive platform.”


Awards & Affiliations for OptiFunder

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