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Stearns Lending, LLC which is a subsidiary of Stearns Holidings, LLC, is a provider of solutions to leading mortgage lenders in Wholesale, Retail, Joint Ventures, Non-Delegated Correspondent and Financial Institutions sectors throughout the United States. The Stearns platform supports the mission of Stearns Holdings to become the preeminent independent mortgage holding company with a unique strategy of investing in, building, and supporting great mortgage businesses Select a Business Segment to learn more about how we can meet your lending needs.
Stearns Wholesale provides our brokers with powerful tools, personal attention and a convenient purchase hub. With more than 30 years of mortgage lending experience—and as a top wholesale lender—you'll find that we offer you a solid foundation with a continued commitment to innovation. Our competitive product solutions enable you to offer your clients an array of mortgage options, each of which are designed to meet the unique needs of today's borrowers. We maintain this competitiveness by taking the time to listen to your input and leveraging that feedback into action.
Stearns has a robust retail channel with a variety of direct-to-consumer mortgage offerings. In order to provide the most comprehensive home financing experience, we have built solid relationships with real estate agents, builders, financial planners, attorneys and other affiliated professionals. Our experienced Mortgage Loan Originators (MLOs) backed by a dedicated in-house loan processing, underwriting and closing team ensures that each customer's loan application is processed promptly and accurately, resulting in on-time closings.
Stearns Lending is the industry leader in developing and managing successful, profitable, and compliant lending partnerships. As a preferred partner, you'll receive the support of a national lender, while maintaining your business identity. You retain your brand, you team, and continue to benefit from the culture you have already established. Here are just a few benefits of partnering with Stearns:
You already have what it takes to succeed in residential real estate or home construction. Now it’s time for a new strategy that builds your business by transforming your customers’ purchase experience: a home financing joint venture with Stearns Lending.
The Non-Delegated Correspondent business unit typically sells its originated mortgages to other lenders. The Correspondent performs a portion, or all, of the loan processing functions starting with the mortgage application throughout the entire process. Although there are variations, the Correspondent may or may not have delegated underwriting. They fund the loans at settlement and may or may not service the mortgage. In some cases, the Correspondent commissions a mortgage broker to perform some of the processing functions.
The Stearns Financial Institutions Group® (FIG) is the only FIG endorsed by the American Bankers Association (ABA) for Fulfillment and Correspondent Services. Established in 1998, FIG offers flexible lending approaches for banks and credit unions of varying sizes, while still being able to offer discounts on services. (CU Partners is a sub-set of FIG, serving Credit Unions in California.) Strategic offerings include: • Private Label for Retail Lending • "Plug and Play" Microsite Solution • Multi-Channel Capabilities