Specialized Mortgage Services

Financing Solutions for Independent Mortgage Bankers & Mortgage Originators

Independent mortgage bankers need a banking partner that offers more: more flexibility, more expertise and more personal attention. With Western Alliance Bank’s Specialized Mortgage Services, you’ll find all that, plus quick credit decisions and smart solutions from bankers with deep industry experience and a commitment to customer relationships.

Our Difference for Mortgage Bankers & Mortgage Finance

At Western Alliance Bank, we don’t just say we have great customer service and solutions — we deliver it consistently. We provide traditional warehouse lending, MSR financing, note financing and a complete suite of treasury management tools for IMBs to help your business work harder for you today and prepare for tomorrow. Our business partners also benefit from synergies between Specialized Mortgage Services and AmeriHome Mortgage, a Western Alliance Bank subsidiary company and the nation’s largest bank-owned correspondent investor.

Discover the advantages of a team with deep industry capabilities to deliver a superior experience that can help you and your customers thrive.

Western Alliance’s strong mortgage expertise from sales through the back office makes it easy to do business. Its entrepreneurial spirit and flexibility give Planet Home Lending the support and partnership we need, both in daily operations and long-term strategic planning.

Allyson Jackson , EVP, Finance and Treasury Planet Home Lending

    Mortgage Warehouse Lending2

    Our Mortgage Warehouse Lending solutions are designed to provide the flexibility you need to maximize your mortgage origination pipeline, including support for a broad set of available mortgage loan programs. Our key differentiators include:

    • Customized warehouse facilities up to $500 million
    • Individualized operations support for your company
    • Same-business-day funding until 5:30 p.m. Eastern Time in most cases
    • Preferred warehouse terms for loans being sold to our subsidiary, AmeriHome Mortgage, a Western Alliance Bank company, the nation’s largest bank-owned correspondent investor

    You can maximize your Specialized Mortgage Services Group banking relationship with Treasury Management3 products and services and direct access to an account representative who understands the mortgage finance industry. The Treasury Management group also includes a specialized escrow accounts team with mortgage servicing expertise.

    Meet the Team

    Mortgage Servicing Rights (MSR) Financing2

    Our mortgage servicing rights (MSR) financing facilities provide flexible and robust access to capital. MSR facilities help mortgage originators improve liquidity and investors leverage mortgage servicing rights, all underscored by our exceptional customer service. Our team delivers results, thanks to our extensive experience working with government-sponsored enterprises (GSEs) and Ginnie Mae (GNMA).

    You’ll appreciate our expertise and guidance, which takes a collaborative approach to accommodate your MSR retention strategy. Offerings that set us apart include:

    • Responsive service and funding, with industry-leading approval to close time
    • Flexible financing structures, including interest-only draw period followed by term financing
    • Lines leveraging Fannie Mae, Freddie Mac and Ginnie Mae MSRs and related servicing advances
    • Expertise in managing escrow servicing accounts related to MSRs
    • Treasury Management3 solutions and technology integrations to transform your payment and reconciliation processes

    Meet the Team

    Note Financing2

    In the private lending industry, where speed and efficiency are essential, our flexible note financing facilities may be the solution private lenders need for quick access to capital. With a note financing credit line, institutional debt funds can benefit from more efficient liquidity management and lower capital costs, enabling funds to capture more business and generate higher investor yields. Note financing targets lines to borrowers who maintain a commensurate amount of equity.

    Clients choose Western Alliance Bank Note Finance because we deliver: 

    • Fast, dependable and flexible daily funding
    • Financing tailored to quick-close private loan origination
    • Highly efficient source of capital
    • Multiple real estate secured note asset classes

    Treasury Management & Banking Solutions3

    In addition to our highly specialized mortgage banking expertise, we offer a wide range of Treasury Management Solutions and guidance to help your business improve cash flow, minimize fees, quickly send and receive payments, and optimize cash balances and interest earned. 

    With Western Alliance Bank, you’ll work with a Treasury Management advisor embedded in the Specialized Mortgage Services team. That means you won’t have to spend time explaining what you do. Instead, we’ll begin by understanding what makes your business unique and how we can help you manage business processes and fluctuations by integrating treasury management tools with your working capital accounts.

    Our specialized offerings include:

    • Global Markets Services: When your business needs to expand internationally, manage foreign exchange or mitigate interest rate risk, our experts offer guidance and a perspective based on years of experience.
    • Lockbox Services4: Our customizable lockbox services can substantially streamline your accounts receivable functions through automation. Western Alliance Bank is actively investing in lockbox technology, with the capability to build specific file formats for client systems. Our white-glove approach makes account opening easier and more efficient.
    • Integrated Payables and Banking APIs: Western Alliance Bank is a leader in direct integrations that allow you to auto-connect for simple, secure, automated data transfer. Our investments in technology mean third-party platforms can integrate with your accounting and servicing systems to interface efficiently with your Western Alliance Bank accounts.
    • Commercial Credit Cards5: Our commercial credit card options, developed specifically for midsize to large organizations, offer the flexibility and benefits you need. They have no annual fee and include sophisticated purchasing and expense management tools, valuable rewards programs and more. 
    • Growth Capital: When it’s time to expand operations, enter new markets or finance an acquisition, we work with you to customize the right solution to secure needed capital to achieve your goals. Having a full-service banking relationship with Western Alliance Bank creates synchronicities that can optimize funds availability and lending terms. 

    Meet the Team

    Synergies to Help Mortgage Lenders Succeed

    Western Alliance and AmeriHome Mortgage

    In today's market, you're looking for efficiencies and trustworthy financing to help make the most of your business. That’s why Western Alliance Bank and AmeriHome have teamed up to offer the sophisticated solutions and powerful resources of a national bank, plus the flexibility, market expertise and customer commitment that make it easy to do business. We invite you to access remarkably robust warehouse and correspondent mortgage lending resources from one responsive team. Learn more about AmeriHome's Correspondent Mortgage solutions by visiting their website.

    Learn More

    Logical Solutions to Combat Rising Costs

    How Well Is Your Mortgage Company’s Financial Toolbox Equipped for Tomorrow’s Market?

    The mortgage industry is famously cyclical. That means that while our recent high interest rate environment has shifted demand downward, it won’t stay that way forever. During the lull, many mortgage businesses have invested in automated processes to improve loan origination efficiencies. This approach is a logical solution to combat rising costs and reduced revenue in the mortgage industry. 

    Read the Insight

    Decisive Expertise

    Our Team of Mortgage Services Specialists

    Senior industry executives lead our Specialized Mortgage Services Group. The team has expertise working nationally with banks, credit unions, residential mortgage originators and independent mortgage bankers. You’ll have access to decision-makers for quick credit decisions, and we provide fast-moving prior eligibility reviews on the mortgages you underwrite to support your liquidity goals. We work closely with you to accommodate your changing needs as you grow.

    About Us

    Contact Us

    Western Alliance Bank is one of the country’s top-performing banking companies and a trusted resource for a wide range of mortgage entities. With our market-tuned technology and superior customer service, we’re here to help your business thrive.

    Get In Touch
    Western Alliance Bank Headquarters

    1 East Washington Street
    Suite 1400
    Phoenix, AZ 85004
    United States

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    The Western Alliance Bank building in downtown Phoenix, Arizona

    1. According to Inside Mortgage Finance 3/1/24.
    2. All offers of credit are subject to credit approval, satisfactory legal documentation and regulatory compliance. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow and documentation fees and may be responsible for any bank fees, including bridge loan, construction loan and packaging fees.
    3. All offers of credit are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Some products and services may be subject to prior approval or fees. Please contact a Treasury Management Advisor and Relationship Manager for additional details that may apply based on products and services selected.
    4. Funds deposited through the Lockbox will follow Western Alliance Bank’s funds availability policy as outlined in the Deposit Account Agreement Disclosure.
    5. All offers of credit are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Refer to terms and conditions for additional information. This card is issued by Western Alliance Bank and its divisions pursuant to a license from Visa USA Inc. Other fees including currency conversion exchange rates may apply.