Warehouse Lending

Fast, flexible warehouse lending solutions to help your mortgage banking business grow

ResX Warehouse Lending, a division of The Provident Bank, gives independent mortgage bankers an opportunity to build stronger relationships with clients by providing fast, flexible interim financing. With a team of professional warehouse bankers and the strength of The Provident Bank, ResX Warehouse Lending has the resources and expertise to help your mortgage banking business survive and thrive.
What is a warehouse line of credit?

A warehouse line of credit is a commercial credit facility that helps a mortgage loan originator extend financing to borrowers without using their own capital. A warehouse line of credit is a form of asset-based lending that provides short-term funding between the time of a mortgage’s closing and the time the loan is sold to a secondary market investor. The amount borrowed can be paid back when the mortgage is sold.

Benefits of Warehouse Lines of Credit


A warehouse line of credit can help you keep pace with your funding requirements. Our warehouse lending services give you the ability to close mortgages in your own name, streamline the origination process, and better serve your clients.


  • High-touch, personal service with flexibility to help you grow your mortgage banking business
  • Same-day funding available
  • Short-term revolving credit facilities available between $3 million - $25 million
  • Fund as Delegated or Non-Delegated
  • Paperless technology and customized reporting
  • National (excluding Alaska and Hawaii)

Our Products
The following types of residential mortgages can be warehoused with your line of credit: 
  • FNMA/FHLMC eligible 1-4 family conventional loans
  • FNMA HomeStyle Renovation, FHLMC Renovation and FHA 203 (k) loans
  • HUD eligible FHA, VA and USDA loans
  • Jumbo loans
  • Non-QM loans
  • Fixed rate second mortgage loans
  • Manufactured home loans

When you partner with ResX Warehouse Lending, you can be confident you will have access to the products and support you need to keep your mortgage banking business growing strong. Our warehouse lines of credit can help you increase efficiency, be more responsive to clients, and maintain a competitive advantage.
To apply, contact: 
Steve Gildea
Vice President, Relationship Manager
816 N. A1A Highway, Suite 202
Ponte Vedra Beach, FL 32082
Phone: (407) 454-3592