Oaktree Funding
Oaktree Funding is a privately held, multi-state licensed mortgage banker originating home loans through Wholesale, Correspondent, and Retail channels for brokers, banking customers, and individual borrowers.
- Company typePrivate
- Founded1989
- HeadquartersUpland, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Oaktree Funding does
Oaktree Funding Corporation is a privately held, multi-state licensed mortgage banker founded in 1989 by Ray Scott and headquartered in Chandler, Arizona. The company originates home loans through three distinct channels: Wholesale (NonQM Expert), Correspondent (Oaktree Correspondent), and Retail (Oaktree Direct), serving mortgage brokers, large banking customers, and individual borrowers respectively. It holds approvals from HUD for FHA and Reverse Mortgages, USDA for the Loan Guarantee Program, and VA, and is registered under NMLS# 71640 with Arizona Mortgage Banking license 0920541. Investment property financing (DSCR, Rehab, Bridge, Construction loans) is offered through a partnership with Truly Investor Capital.
The company's core technology is Carol iE3, a conversational AI system launched in December 2025 by The G1 Group, a wholesale mortgage division of Oaktree Funding. Carol iE3 handles complete loan lifecycles through natural language rather than form-based workflows, processes loan pricing requests in seconds, manages pipeline status and condition lists, and analyzes 12 to 24 months of bank statements in under 30 seconds for the NonQM broker channel. The company is currently led by Co-CEOs Kristopher Martin and Stephen Lippens.
Oaktree generates revenue through traditional mortgage banking economics: origination fees, interest rate spreads, and transaction-based income across its wholesale, correspondent, and retail channels. The firm operates as a privately held entity with 51-100 employees and no disclosed institutional investors or external funding events.
Oaktree Funding firmographics
Firmographics- Name
- Oaktree Funding
- Legal name
- Oaktree Funding Corp.
- Website
- https://oaktreefunding.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Oaktree Funding is a privately held, multi-state licensed mortgage banker originating home loans through Wholesale, Correspondent, and Retail channels for brokers, banking customers, and individual borrowers.
- Ownership category
- akta.pro rank
Oaktree Funding industry classification
Industry- Product category
- Mortgage Lending
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)
- akta.pro secondary industries
- Mini-Correspondent / Table Funding Programs (FSALACAC), Warehouse Lending / Mortgage Warehouse Facilities (FSALACAI)
Keywords
Where Oaktree Funding is headquartered
LocationHeadquarters
- HQ city
- Upland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Oaktree Funding business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Mortgage Loan Origination: Traditional mortgage banking revenue through origination fees, interest rate spreads, and transaction-based income from wholesale, correspondent, and retail lending channels
Go-to-market motion2 records
Distribution channels3 records
Marketing channels2 records
Oaktree Funding product offering
Product offeringCore offering
Oaktree Funding Corp. is a multi-state licensed mortgage banker that originates and funds home loans through three distribution channels: Wholesale (NonQM Expert for brokers), Correspondent (Oaktree Correspondent for large banks), and Retail (Oaktree Direct for individual borrowers). The company offers government-backed products including FHA, Reverse Mortgages, USDA, and VA loans, alongside specialized investment property financing (DSCR, rehab, bridge, construction).
Product overview
Oaktree Funding Corp is a multi-state licensed mortgage banker operating through three distinct channels: Wholesale (NonQM Expert), Correspondent (Oaktree Correspondent), and Retail (OaktreeDirect). The company offers government-backed products including FHA, Reverse Mortgages, USDA, and VA loans alongside investment property financing through partnerships. The G1 Group, a division of Oaktree Funding, recently launched Carol iE3, a conversational AI system that automates loan origination workflows through natural language processing, eliminating traditional form-based processes for the NonQM broker channel.
Differentiator
Problem solved
Functional benefit
Brands
- Oaktree Direct: Retail lending channel for borrowers looking for retail loans
- NonQM Expert
- Oaktree Correspondent
Products and services
- Oaktree Direct (Retail Lending) Retail lending platform for individual borrowers seeking home purchase and refinance loans directly from Oaktree Funding through the Oaktree Direct channel.
- NonQM Expert (Wholesale Lending) Wholesale lending platform connecting mortgage brokers with non-qualified mortgage (NonQM) loan products offered by Oaktree Funding.
- Oaktree Correspondent (Correspondent Lending) Correspondent lending platform that allows large banks and other lenders to sell their originated loans to Oaktree Funding.
- DSCR Loans Debt Service Coverage Ratio (DSCR) loans designed for real estate investors financing investment properties, offered through the Truly Investor Capital partnership.
- Rehab Loans Rehabilitation financing products for investment property investors, offered through the Truly Investor Capital partnership.
- Bridge Loans Short-term bridge financing for real estate investors, offered through the Truly Investor Capital partnership.
- Construction Loans Construction financing for investment property development, offered through the Truly Investor Capital partnership.
- FHA Loans Federal Housing Administration (FHA) loans offered to qualifying individual borrowers, enabled by Oaktree Funding's HUD approval.
- Reverse Mortgages Reverse mortgage products for eligible individual borrowers, enabled by Oaktree Funding's HUD approval.
- USDA Loans USDA Loan Guarantee Program loans for qualifying rural and suburban borrowers, enabled by Oaktree Funding's USDA approval.
- VA Loans U.S. Department of Veterans Affairs (VA) loans for eligible veterans, enabled by Oaktree Funding's VA approval.
- Carol iE3 Conversational AI System Conversational AI system launched by The G1 Group (Oaktree Funding division) that handles complete loan lifecycles through natural language for the NonQM broker channel, processing loan pricing requests in seconds and analyzing bank statements in under 30 seconds.
Quantifiable outcome
- Bank statement analysis completed in under 30 seconds
- +1 more outcomes
Companies that use Oaktree Funding
Customer profileSegments4 records
Ideal customer profiles4 records
Oaktree Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature1 record
Oaktree Funding partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- G1 GroupcoreG1 Group is a wholesale mortgage lender and division of Oaktree Funding Corp. that launched Carol iE3, a conversational AI system for the mortgage origination process. This represents an internal division developing proprietary technology integrated into Oaktree's operations.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Oaktree Funding competitors and assessment
Company assessmentMarket position
Strengths7 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Oaktree Funding social profiles
Digital presenceOaktree Funding compliance and trust
Trust signalCompliance6 records
Oaktree Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oaktree Funding leadership team
Management profileNumber of profiles
Profiles3 records
Oaktree Funding subsidiaries and ownership
Company hierarchySubsidiaries1 record
Oaktree Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oaktree Funding M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oaktree Funding
What does Oaktree Funding do?
Oaktree Funding Corp. is a multi-state licensed mortgage banker that originates and funds home loans through three distribution channels: Wholesale (NonQM Expert for brokers), Correspondent (Oaktree Correspondent for large banks), and Retail (Oaktree Direct for individual borrowers). The company offers government-backed products including FHA, Reverse Mortgages, USDA, and VA loans, alongside specialized investment property financing (DSCR, rehab, bridge, construction).
Is Oaktree Funding a public or private company?
Oaktree Funding is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Oaktree Funding founded?
Oaktree Funding was founded in 1989. It employs 51 to 100 people.
Where is Oaktree Funding based?
Oaktree Funding is headquartered in Upland, United States, in the North America region.
How does Oaktree Funding make money?
One revenue line is on record: mortgage Loan Origination.
Does Oaktree Funding have an API?
No public API is recorded for Oaktree Funding.
What industry is Oaktree Funding in?
Oaktree Funding's product category is Mortgage Lending. Its primary akta.pro industry code is FSALACAE, Government Wholesale Lending (FHA/VA/USDA), with a secondary code of FSALACAC, Mini-Correspondent / Table Funding Programs. Its NAICS code is 522292 and its SIC code is 6162.