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Wholesale Program Highlights:

  • Access to warehouse financing for Hard Money & Private Lending Firms and Mortgage Brokers, for investor (non-owner occupied) based Fix & Flip Renovation and New Construction Projects

  • Warehouse Lines from $1 million to $15 million (per month)

  • Local underwriting support and professional risk management services

  • State-of-the-art technology providing comprehensive reporting, transaction processing, and risk management services

  • Hands-on funding system and process flow, with in-house training and support

  • Nationwide Lender support

  • Friendly and responsive operations and business development team to support your business


At Urban Mutual, we are dedicated to offering wholesale funding solutions that improve our clients’ levels of service to their borrowers.  We do this by providing outstanding client care through consistent and reliable communication.  This mission to care allows us to uniquely serve our customers with the exceptional service of a small boutique, but the foundation and stability of a large financial institution.


Urban Mutual’s wholesale banking affiliate is a national US lender with the in-house resources to help our hard money and private money lenders, as well as mortgage brokers, gain a significant competitive edge and substantially expand their origination capacity.


Our team has an unwavering commitment to our core values of honesty, integrity, and respect, which results in the delivery of quality products and exemplary services.


We believe that a successful business requires a robust technology environment; therefore, we employ an array of state-of-the-art business software, including:


  • An end-to-end loan origination system that incorporates logic to ensure compliance with Urban Mutual and your firm’s underwriting guidelines

  • A document imaging and electronic document storage solution that includes automatic status notifications to appropriate individuals


Through our affiliate partnerships, we utilize resilient information technology services to back up software, network, and data files to further enhance our technology environment.  This backup storage facilitates the rapid restoration of software and data and eliminates issues that can arise when attempting to retrieve backup files stored off-site during non-business hours.


When it comes down to it, we are in the business of helping our partners succeed.  We are in the business of helping our customers become more successful by providing a funding source that maximizes their ability to build their business.  To do so, we stay up to speed with the market, keep our costs low and our actions quick, and support their operations methods and needs.  We offer competitive products to meet their needs and reliable support to help them grow and succeed above expectations.


Urban Mutual, in association with its wholesale warehouse credit line provider can provide a warehouse credit line to Hard Money Lenders and Mortgage Brokers to table fund loans in their own name.  Underlying our success is a team of highly qualified, experienced mortgage banking professionals with over 50+ years of combined experience in originating a multitude of loan and servicing programs.

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