TPO & wholesale
Your whole broker channel, self-service.
Brokers, non-delegated sellers and correspondents work in one portal: automated counterparty onboarding, comp plans that price themselves, instant scenario quotes, and live scorecards that surface a bad partner before the repurchase letter does.
Illustrative data. No live partners or submissions yet, so sample wholesale data is shown. These figures are sample data for demonstration — connect the vendor in Integrations → Credential vault to populate this from your live account.
TPO volume YTD
$313,750,000
+31% YoY
Median onboarding time
1.4 days
industry avg 21 days
Broker submission → CTC
7.8 days
fully self-service
Counterparty exceptions
2 open
1 suspension enforced
Partner scorecard
Volume, pull-through and file quality per counterparty
| Partner | Channel | YTD | Units | Pull-through | File quality | Comp | Status |
|---|---|---|---|---|---|---|---|
Harborline Mortgage Group TPO-1042 · CA | Broker | $84,200,000 | 212 | Borrower-paid 2.25% | Active | ||
Cedar & Vine Lending TPO-1108 · TX | Correspondent | $61,350,000 | 148 | Delegated · 101.25 | Active | ||
Northgate Home Loans TPO-1177 · IL | Non-delegated | $29,800,000 | 77 | Lender-paid 1.875% | Watch | ||
Meridian Capital Partners TPO-1203 · FL | Correspondent | $118,400,000 | 244 | Delegated · 101.50 | Active | ||
Blue Aspen Funding TPO-1288 · CO | Broker | $12,600,000 | 31 | Borrower-paid 2.00% | Onboarding | ||
Summit Ridge Financial TPO-1301 · AZ | Broker | $7,400,000 | 19 | Lender-paid 2.50% | Suspended |
Counterparty onboarding
What used to take three weeks
- 1
Company application & W-9
agent-run instant
- 2
NMLS + state license verification
agent-run 4 min
- 3
Financials & E&O / fidelity bond review
agent-run 12 min
- 4
Principal background & exclusionary list screening
agent-run 9 min
- 5
Comp plan selection & LPA execution
human human sign-off
- 6
Portal credentials & channel activation
agent-run instant
Annual recertification runs itself
Licenses, bonds and exclusionary lists are re-screened continuously; a lapse suspends the partner's lock authority automatically.
Broker submissions
Live queue across all channels
| File | Partner | Borrower | Product | Amount | Status |
|---|---|---|---|---|---|
| W-88214 | Harborline Mortgage Group | R. Delgado | 30Y Conv | $494,000 | Cleared to close |
| W-88219 | Meridian Capital Partners | T. Okafor | 30Y FHA | $331,500 | Suspended — income doc |
| W-88223 | Cedar & Vine Lending | L. Marchetti | Jumbo 30Y | $1,180,000 | In underwriting |
| W-88231 | Northgate Home Loans | K. Boateng | 30Y VA | $402,700 | Counter-offer sent |
| W-88240 | Harborline Mortgage Group | S. Yamada | 15Y Conv | $268,000 | Approved w/ conditions |
Comp plans that enforce themselves
Lender-paid and borrower-paid plans are versioned per partner and per state; pricing rejects any scenario that would breach the plan or LO comp rule before a quote is issued.
Self-service submission
Brokers upload a 3.4 file or drop a document bundle; agents index it, run AUS, and return conditions in minutes — no wholesale AE data entry.
AE book management
Account executives get a territory view of partner health, dormant accounts and pricing-loss reasons instead of a spreadsheet emailed on Mondays.
White-label for the broker
Each partner gets a branded borrower-facing intake and status portal on your platform, so their client experience stays theirs.
Partner names, volumes and scorecards are illustrative demo data for this workspace.