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Value Proposition

Warehouse lines of credit are primarily suited for credit union service organizations (CUSOs) that provide funding for mortgage loans or other types of loans that are held with a third-party custodian for a short period of time prior to liquidating the loans in the secondary market.

How does it work?

As a collateral-based credit line, once the collateral is pledged an advance can be obtained on our online account management platform. Settlement proceeds from loan sales are posted to your account and are accessible to repay warehouse advances. Warehouse credit lines are monitored intra-day to provide timely liquidity to ensure efficient operations.


  • Provides a stable source of external funding when loan origination exceeds current funding capabilities
  • Allows strategic growth of your origination business
  • Grows net interest income by delaying the secondary market transaction


  • Competitive rates based on individual program features
  • Warehouse lines up to $50 million with additional capacity available through our Administrative Agent program
  • Flexible collateral requirements
  • Ability to preserve current custodial relationship
  • Online account management and reporting through our innovative Member$MART system