What Windsor Mortgage Solutions does

Windsor Mortgage Solutions operates as the wholesale mortgage lending division of Plains Commerce Bank (Member FDIC), headquartered in Sioux Falls, South Dakota. Established in 2016 under CEO Chris Vinson (former owner of Journey Mortgage, which Plains Commerce Bank acquired in 2008), the company provides wholesale, correspondent, and full-service mortgage solutions to a nationwide network of 4,000+ independent mortgage brokers, community banks, credit unions, and correspondent lenders. Windsor distributes through dedicated Account Executives and three partner channels: wholesale broker submissions via the Windsor Connect, TPO Connect, and Windsor Direct portals; delegated and non-delegated correspondent lending with warehouse credit facilities; and turnkey full-service operations for community banks and credit unions seeking mortgage capability without infrastructure investment.

The product portfolio spans the full mortgage spectrum, including conventional loans (Fannie Mae HomeReady, Freddie Mac Home Possible), government products (FHA, VA, USDA), Prime Jumbo loans up to $3.5 million, Simple Bridge Loans up to $500,000, Medical Professional Loans with up to 100% financing, Non-QM products (DSCR, Bank Statement, Asset Qualifier), Temporary Buydown Programs, and a multi-state bond program footprint. Technology consists of proprietary broker portal infrastructure integrated with Lodasoft's CMA Platform for customer match automation, plus real-time turn-time visibility across processing, underwriting, conditions, closing, and funding. The Lodasoft integration is the company's only disclosed third-party technology dependency.

Revenue is generated through transaction fees on originated loans, loan acquisition fees on correspondent purchases, and interest/fee income from warehouse lending facilities. Pricing is quote-based across most wholesale products, with disclosed bridge loan origination fees of $1,500-$2,500 and warehouse line terms offering advance rates over 100% of note amount with no application or non-utilization fees. Customer retention is anchored by relationship-based dedicated support teams, the 'Coaching with Chris' educational program distributed via YouTube, Spotify, and Apple Podcasts, and the institutional credibility of the Plains Commerce Bank parent, whose banking roots extend to 1926-1931.

Name

Windsor Mortgage Solutions

Legal name

Windsor Mortgage Solutions

Website

https://windsormortgage.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

Windsor Mortgage Solutions is a wholesale mortgage lending division of Plains Commerce Bank, providing conventional, government, jumbo, Non-QM, bridge, and warehouse lending products to over 4,000 independent brokers, community banks, credit unions, and correspondent lenders across the United States.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Depository Credit Intermediation (5221)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Jumbo & Portfolio Wholesale Lending (FSALACAF)

akta.pro secondary industries

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Commercial Mortgage Servicing & Asset Management (Master/Special) (FSALADAJ)

Keywords

• Wholesale mortgage lending
• Correspondent lending services
• Mortgage broker solutions
• Community bank lending
• Warehouse credit facilities

Headquarters

HQ city

Sioux Falls

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Mortgage Lending Fees: Provides mortgage products, underwriting, and funding to independent mortgage brokers and banks, generating revenue through origination and processing fees on closed loans.
2. Correspondent Lending Revenue: Partners with correspondent lenders to purchase closed loans, providing competitive pricing, fast turn times, and funding solutions in exchange for loan acquisition fees.
3. Bridge Loan Origination: Short-term financing for borrowers purchasing new homes before selling current ones. Revenue generated through origination fees ($1,500 for loans up to $250,000, $2,500 for $250,001-$500,000) and interest payments.
4. Warehouse Lending: Provides credit facilities to correspondent lenders for funding mortgage loans, generating revenue through interest on warehouse lines and fees. Offers superior advance rates over 100% of note amount.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Windsor Mortgage Solutions is the wholesale mortgage division of Plains Commerce Bank, providing wholesale and correspondent mortgage lending services to independent mortgage brokers, community banks, credit unions, and correspondent lenders across the United States. The company offers a comprehensive suite of mortgage products including conventional, government (FHA/VA/USDA), jumbo, bridge, Non-QM, and specialty loans, along with underwriting, funding, processing, and operational support through dedicated Account Executives and proprietary broker portals (Windsor Connect and TPO Connect).

Product overview

Windsor Mortgage Solutions operates as a wholesale mortgage division of Plains Commerce Bank, offering a comprehensive suite of mortgage products through multiple distribution channels. The product portfolio spans conventional loans (including HomeReady and Home Possible programs), government loans (FHA, VA, USDA), Prime Jumbo loans up to $3.5 million, Simple Bridge Loans, Medical Professional Loans, and Non-QM products (DSCR, Bank Statement, Asset Qualifier). Additional offerings include State Bond Programs across multiple states, Temporary Buydown Programs, Warehouse Lending facilities, and Down Payment Assistance. Windsor serves three primary channels: wholesale brokers (providing products and underwriting support), correspondent lenders (delegated and non-delegated), and full-service partners for community banks and credit unions who want turnkey mortgage operations without infrastructure investment.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Loans

Quantifiable outcome

• Reduced loan closing time from 5-8 weeks to 23 days
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Plains Commerce BankcoreOthersWindsor Mortgage is a service provided by Plains Commerce Bank, a community bank with roots dating back to 1926. PCB was formed in 2001 through merger of Bank of Hoven (founded 1931) and The Peoples Bank (founded 1926). In 2008, PCB elevated its mortgage experience by acquiring Journey Mortgage, an independent mortgage company owned by Chris Vinson. Windsor Mortgage was established in 2016 as the wholesale mortgage division of Plains Commerce Bank.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, operating an exclusive brokerage channel with broad product lineup and proprietary technology. Direct competitor to Windsor in the broker-to-lender wholesale channel.
• Rocket Pro TPO: Wholesale and joint venture arm of Rocket Mortgage, serving independent mortgage brokers with a broad product suite and competitive pricing. Comparable to Windsor's wholesale broker channel.
• Homepoint: Wholesale and correspondent mortgage lender offering a wide product menu through broker and lender partners. Operates in the same wholesale/correspondent channel as Windsor.
• Caliber Wholesale (Caliber Home Loans): National mortgage lender with a wholesale channel serving independent mortgage brokers, offering agency and non-agency products comparable to Windsor's lineup.
• PRMG (Paramount Residential Mortgage Group): Wholesale, retail, and correspondent mortgage lender with broad product offerings including conventional, government, jumbo, and non-QM. Directly competes with Windsor in wholesale and correspondent channels.
• Plaza Home Mortgage: Wholesale and correspondent mortgage lender providing a broad product suite and dedicated account executive support. Operates an analogous partner-focused model to Windsor.
• Newfi Wholesale: Wholesale and correspondent non-QM and specialty lender, focused on alternative documentation products (bank statement, DSCR, asset qualifier) that overlap with Windsor's specialty product menu.
• loanDepot Wholesale: Wholesale arm of loanDepot serving independent mortgage brokers with conventional, government, and non-QM products. Comparable to Windsor in channel structure and product breadth.

Emerging players

• Open Mortgage: Reverse and wholesale mortgage lender with a forward and reverse product mix. Comparable to Windsor as a partner-channel lender with specialty product extension.
• Deephaven Mortgage: Non-QM wholesale lender focused on underserved borrower segments via broker partners. Overlaps with Windsor's Non-QM and specialty product strategy targeting broker distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/playlist?list=PL-zLVeGMcNDeWA9XwZg5Ut4teCHZ5U0Ax&feature=shared
• Facebookfacebook.com/windsormortgagesolutions
• LinkedInlinkedin.com/company/windsormortgagesolutions

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 Windsor Mortgage Solutions