Frequently Asked Questions

Windsor Mortgage partners with independent mortgage brokers, community banks, credit unions, and correspondent lenders across the United States. Whether you're an established mortgage company or looking to expand your lending capabilities, our team can help determine the best partnership option for your business.

The approval process begins by completing our online partnership inquiry. Once submitted, a Windsor representative will guide you through onboarding, required documentation, and system access so you can begin submitting loans.

Approval timelines vary depending on the situation, but our team works to make onboarding as efficient as possible. Your assigned Account Executive will keep you informed throughout the process.

Choosing a wholesale lending partner is about more than competitive rates or loan programs. It's about having a team you can rely on when your reputation is on the line.

We believe strong partnerships are built on responsiveness, communication, and trust. Our goal is to become an extension of your team by providing the support and expertise you need to serve your borrowers with confidence.

When you partner with Windsor, you can expect:

• Responsive Support – Our team is committed to providing timely answers and personalized service so you can keep your loans moving forward.
• Experienced Underwriting – We combine knowledgeable underwriting with a practical approach to help you navigate complex loan scenarios and find solutions whenever possible.
• Technology That Works for You – Our tools and systems are designed to simplify the loan process, improve efficiency, and make it easier to do business with Windsor.
• Clear Communication – We believe transparency matters. You'll know where your loan stands, what comes next, and who to reach out to when questions arise.
• Relationship-First Approach – We're focused on building long-term partnerships, not just closing individual loans. Your success is our success, and we're committed to helping you grow your business over time.

We understand that every loan represents a relationship you've built with your borrower. That's why we're dedicated to providing the products, service, and support that help you deliver an exceptional lending experience.

Yes. When you partner with us, you'll work with a dedicated Account Executive who serves as your primary point of contact and partner throughout your lending journey.

Your AE is there to help you navigate loan scenarios, answer product questions, provide guidance on available financing options, and connect you with the right resources when you need them. Whether you're working through a complex loan, exploring a new product, or looking for ways to grow your business, you'll have a knowledgeable professional who understands your goals and is invested in your success.

Our Account Executives take the time to get to know your business, understand your market, and provide personalized support. From onboarding to closing and beyond, you'll have a dedicated team working alongside you to help you serve your borrowers with confidence.

When you partner with us, you're backed by a dedicated team of mortgage professionals working together to help move your loans efficiently from submission to funding. Every file is supported by experienced team members who are committed to providing clear communication and responsive service throughout the process.

Your support team may include:

Account Executive (AE)
Your dedicated Account Executive is your trusted advisor and primary relationship manager. They help with loan scenarios, product questions, business development, and finding the right solutions for your borrowers.

Account Manager
Your Account Manager helps keep your files moving by coordinating communication, answering questions, and providing updates throughout the loan process.

Processor
Processors review loan files for completeness, gather documentation, and help ensure everything is ready for underwriting.

Underwriter
Our experienced underwriters carefully review each loan to ensure it meets program guidelines while working to find solutions whenever possible.

Closer
The closing team prepares final loan documents and coordinates the closing process so your borrowers can get to the finish line with confidence.

Funding Team
Once all closing requirements have been met, our funding team completes the final review and funds the loan, helping ensure a smooth and timely completion.

We believe successful partnerships are built on collaboration. From your first submission through funding, you'll have a team of experienced professionals working alongside you to help deliver an exceptional experience for both you and your borrowers.

We believe our success is measured by the success of our partners. That's why we do more than provide mortgage products. We provide the people, resources, and support you need to grow your business with confidence.

When you partner with Windsor, you'll have access to:

A Dedicated Account Executive
Your Account Executive serves as your trusted partner, helping you navigate loan scenarios, identify product solutions, and provide guidance as your business grows.

Experienced Operational Support
From processing and underwriting to closing and funding, our team works alongside you to help keep loans moving efficiently while providing clear, responsive communication throughout the process.

Product Education & Expertise
Whether you're exploring a new loan program or working through a complex borrower scenario, our team is here to help you understand your options and confidently serve your clients.

Technology That Simplifies Lending
Our technology and broker tools are designed to streamline the lending process, giving you the resources you need to efficiently originate and manage loans.

A Long-Term Partnership
At Windsor Mortgage, we're committed to building lasting relationships. We take the time to understand your business, support your goals, and provide the personalized service you need to succeed in today's mortgage market.

We are committed to delivering responsive service and keeping your loans moving efficiently through every stage of the process. Because turn times can vary based on loan volume, product type, and market conditions, we provide our most up-to-date turnaround times directly within our Broker Portal.

As a Windsor partner, you can log in to the Broker Portal at any time to view current turn times for processing, underwriting, conditions, closing, and funding, helping you set accurate expectations with your borrowers.

If you have questions about a specific loan or need guidance on a unique scenario, your dedicated Account Executive and support team are always available to help.

Windsor Mortgage offers a comprehensive lineup of wholesale mortgage solutions designed to help mortgage brokers, community banks, credit unions, and correspondent lenders serve more borrowers and close more loans. 

Our product lineup includes:

• Conventional Loans for a wide range of borrowers, including first-time homebuyers, move-up buyers, and investors.
• Government Loans, including FHA, VA, and USDA financing.
• Jumbo Loans with loan amounts up to $3 million for qualified borrowers.
• Bridge Loans that help borrowers purchase a new home before selling their current one.
• Warehouse Lending solutions for correspondent partners looking to grow their business.
• Specialty Products, including Non-QM options, Medical Professional Loans, State Bond Programs, and Temporary Buydown Programs to help you solve unique borrower needs. 

Yes. Windsor Mortgage offers a variety of Jumbo loan solutions designed to help mortgage professionals finance higher-value homes that exceed conventional loan limits. Whether your borrower is purchasing a primary residence, second home, or investment property, our Jumbo loan programs provide flexible financing options backed by experienced support.

Our Prime Jumbo programs feature:

• Fixed-rate options with 15-, 20-, 25-, and 30-year terms
• 5/6, 7/6, and 10/6 SOFR ARM options
• Loan amounts up to $3.5 million
• Financing for primary residences, second homes, and investment properties
• Loan-to-value (LTV) ratios up to 90% for qualified borrowers
• Credit scores starting at 680 for eligible programs

Whether your borrower is purchasing a luxury home, buying in a high-cost market, or simply needs financing above conventional loan limits, Windsor Mortgage provides competitive Jumbo loan solutions along with the responsive support and experienced underwriting you need to close with confidence.

For detailed eligibility requirements and program guidelines, visit our Jumbo Product Guide or connect with your dedicated Account Executive to discuss your specific loan scenario.

Yes. Windsor Mortgage offers Simple Bridge Loans designed to help borrowers purchase a new home before selling their current one. This short-term financing solution gives mortgage professionals another way to help clients move with confidence without the pressure of waiting for their existing home to sell first.

A Windsor Simple Bridge Loan can help your borrowers:

• Purchase a new home before selling their current residence
• Access equity from their existing home for a down payment
• Submit stronger, non-contingent purchase offers
• Move on their timeline instead of rushing to sell

Because both the bridge loan and the permanent mortgage are completed through Windsor Mortgage, the process is streamlined, creating a more efficient experience for both you and your borrower.

Whether your borrower is moving up, relocating, or navigating a competitive housing market, our Bridge Loan program provides a flexible financing solution backed by experienced support from submission through funding.

For complete program details, eligibility requirements, and current guidelines, visit our Simple Bridge Loan Product Guide or connect with your dedicated Account Executive to discuss your borrower's specific scenario.

Yes. Windsor Mortgage offers a full suite of government-backed loan programs, including FHA, VA, and USDA loans, helping mortgage professionals provide flexible financing solutions for a wide range of borrowers.

Our government loan programs include:

• FHA Loans for borrowers seeking flexible credit requirements and low down payment options.
• VA Loans for eligible veterans, active-duty service members, and qualified military families.
• USDA Loans for eligible borrowers purchasing homes in qualified rural and suburban communities.

We believe government loans should work for your borrowers... not the other way around. Our experienced team takes a solution-oriented approach to underwriting, helping mortgage professionals navigate complex loan scenarios with confidence. We offer manual underwriting, flexible credit score options, higher debt-to-income ratio tolerances for eligible borrowers, and financing solutions for manufactured homes through select FHA and VA programs.

For complete program details, eligibility requirements, and current guidelines, visit our Government Loan Product Guides or connect with your Account Executive.

Yes. Windsor Mortgage, through Plains Commerce Bank, offers Warehouse Lending solutions designed to help correspondent lenders expand their funding capacity, improve cash flow, and grow their mortgage business with confidence.

Our warehouse facilities provide the financing and support needed to efficiently fund mortgage loans while maintaining control of your lending operations.

Our Warehouse Lending program offers:

• Superior advance rates, including advances over 100% of the note amount on eligible Windsor deliveries
• Facility approval and funding in as little as 30 days
• Transparent pricing with no application fees or non-utilization fees
• Fast, web-based wire requests with 24/7 system access
• Dedicated decision-makers who provide responsive, personalized support
• Flexible funding options, including individual and bulk funding

We've built a streamlined onboarding process, competitive funding solutions, and a relationship-first approach that gives you the resources to originate more loans while keeping your capital working efficiently.

Yes. Windsor Mortgage offers a variety of Non-QM (Non-Qualified Mortgage) loan solutions designed to help mortgage professionals serve borrowers with unique financial situations.

Our Non-QM loan programs provide mortgage brokers with greater flexibility and more solutions for borrowers who do not meet traditional lending guidelines. Designed to support self-employed borrowers, real estate investors, and those with complex income, our Non-QM mortgage options help brokers close more loans, serve a broader range of clients, and stay competitive in today’s evolving mortgage market.

Our Non-QM offerings include solutions such as:

• DSCR (Debt Service Coverage Ratio) Loans
• Bank Statement Loans for self-employed borrowers
• Asset Qualifier Loans
• And more

For more details, please visit our Product Guides page.

Whether your borrower is self-employed, an investor, or has a more complex financial profile, our experienced team can help you identify the right solution and navigate the loan process with confidence.

If you have questions about a specific Non-QM loan scenario, your dedicated Account Executive is available to help you determine the best financing option for your borrower.

Partnering with a wholesale mortgage lender allows mortgage brokers and financial institutions to offer a broader range of home loan solutions without having to underwrite, fund, or service every loan themselves.

Instead, wholesale lenders provide the mortgage products, operational support, and expertise that help their partners deliver an exceptional lending experience while focusing on what they do best: building relationships and serving their customers.

Some of the key advantages of working with a wholesale mortgage lender include:

Access to More Loan Products
Offer a diverse portfolio of conventional, government, jumbo, and specialty loan programs to meet a wide range of borrower needs.

Mortgage Expertise
Work alongside experienced professionals who can help navigate complex loan scenarios, underwriting questions, and product selection.

Operational Support
From processing and underwriting to closing and funding, a dedicated team helps keep loans moving efficiently throughout the mortgage process.

Scalability
Expand your mortgage business without the expense of building or maintaining a full in-house mortgage operation.

Technology & Resources
Gain access to tools and systems designed to streamline workflows, improve efficiency, and support your business growth.

A Trusted Partnership
The best wholesale lenders do more than provide loan products. They become an extension of your team. We believe in building long-term relationships through responsive communication, personalized support, and a shared commitment to helping our partners succeed.

Whether you're an independent mortgage broker, community bank, credit union, or correspondent lender, partnering with the right wholesale mortgage lender can help you grow your business, better serve your customers, and confidently navigate today's evolving mortgage market.

The biggest difference between wholesale and retail lending is who works directly with the borrower.

Retail lenders work directly with homebuyers throughout the mortgage process. Borrowers apply with the lender, communicate with the lender's loan officer, and close their loan directly through that institution.

Wholesale lenders, like Windsor Mortgage, work behind the scenes by partnering with independent mortgage brokers, community banks, credit unions, and correspondent lenders. Instead of working directly with borrowers, we provide the loan products, underwriting, operational support, and funding that help our partners deliver an exceptional mortgage experience to their customers.

For lending professionals, working with a wholesale lender offers several advantages, including:

• Access to a broad range of mortgage products
• Experienced underwriting and operational support
• Dedicated Account Executives and support teams
• Technology designed to simplify the lending process
• The ability to offer competitive financing solutions while maintaining the customer relationship

Our focus is helping our partners grow their business. By combining flexible loan solutions with responsive service and a relationship-first approach, we provide the resources mortgage professionals need to confidently serve their borrowers and close more loans.

Wholesale mortgage lending is a partnership that allows mortgage brokers, community banks, credit unions, and correspondent lenders to offer home loan solutions to their customers while working with an experienced wholesale lender behind the scenes.

Here's how the process works:

1. You Build the Relationship
As the mortgage professional, you work directly with your borrower, helping them choose the right loan program, collecting documentation, and guiding them through the mortgage process.

2. Windsor Provides the Lending Expertise
Once the loan is submitted, Windsor Mortgage supports your team with processing, underwriting, closing, and funding. Throughout the process, your dedicated Account Executive and support team are available to answer questions, discuss loan scenarios, and help keep your files moving.

3. Together, We Help Your Borrower Close with Confidence
While Windsor manages the operational side of the loan, you remain the trusted advisor for your borrower. Our goal is to provide the products, service, and support you need to deliver an exceptional lending experience from application to closing.

By partnering with Windsor Mortgage, you gain access to a wide range of mortgage products, experienced underwriting, responsive operational support, and technology designed to help you grow your business without sacrificing the relationships you've built with your customers.

Correspondent lending allows financial institutions to originate and close mortgage loans in their own name while partnering with an experienced lender for loan purchasing, funding solutions, and operational support.

Our Correspondent Lending program is designed to help mortgage professionals expand their lending capabilities while maintaining the relationships they've built with their customers. We partner with full-service, non-delegated, and delegated correspondent lenders, providing the products, technology, and personalized support needed to help them grow their business.

When you partner with Windsor Mortgage for correspondent lending, you'll benefit from:

• Competitive mortgage products and pricing
• Same-day funding and quick wire requests
• Fast turn times
• Dedicated, relationship-focused support
• Technology designed to streamline the lending process
• A team committed to helping you originate more loans and serve more borrowers

Windsor Mortgage partners with mortgage professionals and financial institutions looking for a trusted wholesale lending partner. Whether you're expanding your mortgage offerings or looking for additional lending solutions, our team is here to support your success.

We proudly serve:

Independent Mortgage Brokers
We help mortgage brokers grow their business by providing a diverse range of loan programs, responsive support, experienced underwriting, and technology designed to simplify the lending process.

Community Banks
Windsor partners with community banks to offer comprehensive mortgage solutions while allowing them to maintain the trusted relationships they've built with their customers.

Credit Unions
Our mortgage solutions help credit unions expand their home lending capabilities while continuing to provide exceptional service to their members.

Correspondent Lenders
We support correspondent lenders with the products, operational expertise, and resources needed to efficiently originate, close, and fund mortgage loans.

We believe every partnership is unique. That's why we take a relationship-first approach, working alongside our partners to understand their goals and provide the products, support, and expertise they need to grow with confidence.

Windsor Mortgage is the wholesale mortgage division of Plains Commerce Bank. Established in 2016, Windsor combines the strength and stability of a community bank with the specialized expertise of a dedicated wholesale mortgage lender.

As part of Plains Commerce Bank, Windsor provides mortgage solutions for independent mortgage brokers, community banks, credit unions, and correspondent lenders nationwide. Our partners benefit from the financial strength and resources of an established banking institution while working with a team focused exclusively on wholesale mortgage lending.

This relationship allows Windsor to deliver competitive loan products, experienced operational support, responsive service, and innovative technology, all backed by nearly a century of banking experience through Plains Commerce Bank.

For our partners, that means you gain a trusted mortgage lending partner with the stability of an established bank and the personalized, relationship-first approach of a dedicated wholesale mortgage team.

Windsor Mortgage is a service provided by Plains Commerce Bank, a community bank with roots dating back to 1926. Windsor was established in 2016 as the wholesale mortgage division of Plains Commerce Bank with a mission to help mortgage professionals grow their businesses through exceptional service, innovative technology, and a relationship-first approach.

Being backed by Plains Commerce Bank allows Windsor to combine the strength, stability, and resources of an established financial institution with the flexibility and personalized support of a dedicated wholesale mortgage team.

Today, Windsor partners with mortgage brokers, community banks, credit unions, and correspondent lenders across the country, providing a comprehensive suite of mortgage products, experienced operational support, and technology designed to help our partners succeed. Whether you're looking for a trusted wholesale lending partner or a turnkey mortgage solution, Windsor is committed to helping you deliver an exceptional experience for your borrowers.

Windsor Mortgage is headquartered at 5101 South Broadband Lane, Sioux Falls, SD 57108. While our corporate office is based in Sioux Falls, our team supports lending partners nationwide.