What Forward Lending does

Forward Lending is the wholesale lending division of OCMBC, Inc., a California-incorporated mortgage lender operating under NMLS ID #2125. Headquartered in Irvine, California with a satellite office in Las Vegas, the company originates mortgage loans exclusively through a network of approved third-party mortgage brokers across all 50 US states; it does not lend directly to consumers. Its customer base consists of mortgage brokers and TPO partners who originate loans on behalf of their own end-borrowers, with Forward Lending funding and processing those loans through its wholesale channel.

The company operates The Track, a proprietary TPO (Third-Party Originator) submission portal that integrates with Encompass TPO Connect and enables approved brokers to register, price, run credit pulls, submit, and disclose loans digitally. Supporting tools include a DSCR Calculator, Buydown Calculator, Closed End Second Calculator, Bank Statement Review forms, and an appraisal-ordering module. Product breadth covers Non-QM (Bank Statement, DSCR, Asset Utilization, Full Doc, 1099, 40-Year, WVOE), Conventional (FNMA, FHLMC, RefiNOW), FHA (including the proprietary 100% CLTV Fast 100 DPA), VA, USDA, four tiered Jumbo programs (Hauler, Nitro, Nitro Plus, Nitro XL up to $3.5M), Closed-End Seconds, Fast Track HELOC, Business Purpose DSCR loans, and California-specific CalHFA DPA products. The product suite is also distributed through the ARIVE mortgage technology platform following a partnership announced in 2026.

Revenue is generated on a per-loan transaction basis through interest spread and gain-on-sale economics as originated loans are sold into the secondary market or held in portfolio. Pricing is not publicly disclosed; rate sheets are gated to approved brokers via The Track portal and direct PDF downloads across Prime & Jumbo, Non-QM, HELOC, and Closed-End Seconds programs. Go-to-market is exclusively wholesale/broker-channel with no retail or direct-to-consumer motion, supported by monthly webinars, broker training programs, downloadable co-brandable marketing collateral, and trade-show participation.

Name

Forward Lending

Legal name

OCMBC, Inc.

Website

https://forwardlendingmtg.com

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Forward Lending is the wholesale lending division of OCMBC, Inc., providing approved mortgage brokers nationwide with Non-QM, Conventional, FHA, VA, USDA, Jumbo, HELOC, and Business Purpose loan programs through its proprietary The Track TPO portal.

Ownership category

akta.pro rank

Product category

Wholesale Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

akta.pro secondary industry

Mini-Correspondent / Table Funding Programs (FSALACAC)

Keywords

• Wholesale mortgage lending
• Non-QM loans
• TPO broker portal
• Residential mortgage programs
• Government mortgage lending

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Wholesale Mortgage Lending: Forward Lending originates mortgage loans through a network of approved mortgage brokers. As a wholesale lender, the company funds loans and generates revenue primarily through the interest spread on originated mortgages. The company offers a wide range of loan programs including Non-QM, Conventional, FHA, VA, USDA, Jumbo, and specialized products like closed-end seconds and HELOCs. Revenue is generated on a per-loan basis as loans are originated and sold into the secondary market or held in portfolio.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Forward Lending is a U.S. wholesale residential mortgage lender (the Wholesale Lending Division of OCMBC, Inc.) that funds and closes loans originated by independent mortgage brokers nationwide. It provides brokers with agency (FHA, VA, USDA), Conventional/Conforming, Jumbo, Non-QM, and CalHFA down payment assistance programs via its proprietary "Track" TPO portal and the ARIVE platform.

Product overview

Forward Lending is a wholesale lending division of OCMBC, Inc., offering a comprehensive suite of mortgage loan products through mortgage brokers. The product portfolio consists of core loan programs (Non-QM, Conventional, FHA, VA, USDA, CalHFA DPA) supported by specialized sub-products (Jumbo loans in four variants, Closed-End Seconds, Fast Track HELOC, Business Purpose Loans, Down Payment Assistance programs). The flagship platform is The Track, a proprietary TPO portal enabling brokers to submit, price, and disclose loans digitally. Supporting tools include loan calculators (Buydown, Closed End Second, DSCR) and a complete forms library. Products are accessible through the company's own portal as well as the ARIVE platform partnership.

Differentiator

Problem solved

Functional benefit

Brands

• The Track: Proprietary TPO (Third Party Originator) submission portal technology for mortgage brokers to register, submit, and disclose loans.
• Arive

Products and services

• Non-QM Residential Mortgage Program Non-Qualified Mortgage (Non-QM) residential loan products offered through the wholesale broker channel for borrowers who do not fit standard agency/qualified mortgage guidelines. Designed for independent mortgage brokers seeking non-agency loan options for their borrowers.
• Conventional / Conforming Mortgage Program Conventional and conforming residential mortgage products made available to mortgage brokers for sale to Forward Lending. Designed for borrowers meeting standard conforming underwriting criteria.
• FHA Mortgage Program FHA-insured residential mortgage products offered through the wholesale broker channel for eligible borrowers.
• VA Mortgage Program VA-guaranteed residential mortgage products for eligible veterans and service members, made available to independent mortgage brokers via the wholesale channel.
• USDA Rural Development Mortgage Program USDA Rural Development residential mortgage products for eligible rural and suburban borrowers, delivered through the wholesale broker channel.
• Jumbo Mortgage Program Jumbo residential mortgage products for higher-balance loans that exceed conforming loan limits, offered to wholesale broker partners.
• CalHFA Down Payment Assistance (DPA) Program California Housing Finance Agency (CalHFA) down payment assistance residential mortgage products offered through the wholesale broker channel, primarily for first-time and low-to-moderate-income California homebuyers.
• "The Track" TPO Broker Portal Forward Lending's proprietary Third Party Originator (TPO) web portal used by independent mortgage brokers to access product availability, pricing, lock requests, and loan submission with the wholesale lender.

Quantifiable outcome

• TPO portal allows brokers to register, submit, and disclose loans in minutes
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• CalHFA (California Housing Finance Agency)coreStrategic or Co-development Partner · 24 February 2026Forward Lending is a proud partner and participant in CalHFA's Dream For All program, offering down payment assistance up to 20% of the home purchase price (max $150,000) to qualified California first-time homebuyers. The partnership also includes CalHFA's MyHome Assistance Program, ZIP (Zero Interest) Program, and other California-specific DPA loan programs through Forward Lending's wholesale channel.
• ARIVEcoreTechnology or IntegrationForward Lending has announced a new partnership with ARIVE, a mortgage technology platform, bringing its industry-leading Non-QM and Prime lending solutions directly into the ARIVE portal. Already approved brokers can access Forward Lending live within the ARIVE platform, providing seamless product access and pricing.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Rocket Pro TPO: Wholesale division of Rocket Mortgage serving third-party originators. Competes head-to-head with Forward Lending for broker business across Conventional, Government, and Non-QM products via digital submission portals.
• Homepoint: Wholesale and correspondent mortgage lender serving brokers nationally. Comparable broker-centric model with broad product offerings including Non-QM, making it a direct competitor in the same channel.
• United Wholesale Mortgage: Largest US wholesale mortgage lender, serving mortgage brokers exclusively. UWM is the closest direct peer given Forward Lending's identical broker-only wholesale model, though UWM operates at dramatically larger scale.
• NewRez Wholesale (NewRez LLC): Wholesale and correspondent mortgage lender offering conventional, government, and Non-QM products to brokers nationally. Direct competitor in wholesale broker channel with comparable product menu.
• Caliber Wholesale: Wholesale division of Caliber Home Loans offering agency and Non-QM products to brokers. Comparable mid-sized wholesale competitor with diversified product portfolio.
• Plaza Home Mortgage: Wholesale and correspondent mortgage lender with strong Non-QM and government programs serving brokers. Comparable product breadth and broker-only distribution make it a relevant direct competitor.
• PRMG (Paramount Residential Mortgage Group): National wholesale and retail mortgage lender offering Conventional, Government, Non-QM, and specialty products to brokers. Comparable mid-to-large wholesale competitor with broad product menu similar to Forward Lending.
• Carrington Wholesale: Wholesale mortgage lender offering Conventional, Government, Non-QM, and specialty products to brokers. Comparable mid-sized wholesale competitor with similar product diversification strategy.
• loanDepot Wholesale: Wholesale division of loanDepot serving mortgage brokers with conforming, government, and jumbo products. Direct competitor in wholesale channel at larger scale than Forward Lending.

Emerging players

• Angel Oak Mortgage Solutions: Non-QM focused wholesale lender specializing in non-traditional borrower products including bank statement and DSCR. Closely comparable to Forward Lending's Non-QM specialization, though narrower product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/forwardlendingmtg
• LinkedInlinkedin.com/company/forwardlending
• Instagraminstagram.com/forwardlending

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Forward Lending