Vesta is the LOS where people and AI agents work together.
Automate operations and reduce your cost to originate with Vesta.
Vesta is the most advanced loan origination system in the industry. It's used by Pennymac, New American Funding, Upstart, NBKC, and more.
Loan origination system
Vesta's AI-native LOS cuts the manual work on every loan. Pennymac switched to Vesta and cut their cost of operations at origination by 25%.
AI agents
Use AI agents to automate operations, from application to funding. Agents follow the same workflow, your team handles the exceptions, and every action is logged.
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.
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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