Real TPO is a wholesale mortgage lender focused exclusively on working with independent mortgage brokers. We operate as a third-party origination (TPO) platform, providing brokers with access to a broad range of conventional and non-QM loan programs supported by experienced underwriting and a streamlined execution process.
Our business is built entirely around the wholesale channel. We do not operate a retail division and do not compete with our broker partners for consumer business.
At Real TPO, brokers remain the primary point of contact for their borrowers. Our role is to support that relationship by delivering consistent guidelines, clear pricing, and responsive operational support throughout the life of the loan.
We focus on:
Providing flexible loan programs across multiple borrower profiles
Maintaining clear and accessible program matrices and rate sheets
Supporting efficient submission, underwriting, and closing workflows
Operating with transparency and consistency at every stage of the process
Our platform is designed to help brokers navigate complex loan scenarios with confidence while maintaining control of the client relationship.
Brokers who partner with Real TPO gain access to:
A wide range of conventional, non-QM, DSCR, ITIN, portfolio, and second-lien products
Clear program guidelines and downloadable matrices
Daily rate sheets and straightforward pricing access
Dedicated support from a team experienced in wholesale lending
A lender focused on long-term broker relationships, not one-off transactions
Real TPO was built with the realities of the wholesale mortgage business in mind. Our systems, processes, and program structure are designed to support broker efficiency, reduce friction, and provide clarity across loan types and documentation scenarios.
We remain committed to operating as a wholesale-only lender and to supporting the growth of the independent broker community through reliable execution and responsible lending practices.
If you’re an independent mortgage broker seeking a wholesale partner with a focused product lineup and a broker-first approach, Real TPO is built to support your business.