A wholesale mortgage is like an 'insider price' for your home loan. Think of it like Costco vs. Target. At a retail store like Target, you pay extra to cover their millions of advertisments. At Costco, you buy closer to the factory price because they cut out the fluff.

Big banks and retail lenders are like Target—they add extra markups to pay for their offices, managers, and ads. At Moxie, we work like Costco. We skip the retail markup, find the best deal for you, and put those savings back in your pocket.

By choosing a wholesale lender, you can save significantly on both closing costs and your monthly payment. While traditional retail lenders often charge 4.5% to 6% for your loan, Moxie Mortgage earns a fraction of that.

On a $500,000 mortgage, a 3% difference in margin could mean a savings of $15,000 in closing costs or a substantially lower interest rate that saves you $10,000s over the life of the loan. For example, in 2025, our clients on average saved $63,000 in interest payments.

Wholesale lenders like Moxie are faster because they don't have the red tape and long turntimes like large retail banks. On average, Moxie borrowers get their final loan approval in just 13 days.

Yes, wholesale lenders have access to more loan options. When you apply with a retail bank, you are limited to their in-house products and pricing. Moxie's borrower get access to 300+ different lenders and all of their products who compete for your business. With so many options, it ensures you get the best home loan product for you at the best market price.

A correspondent lender is a financial institution that funds its own mortgage loans, but partners with large wholesale investors who assume your loan after closing. This hybrid approach gives Moxie's clients access to the full spectrum of home loan options—conventional, FHA, VA, USDA, and specialized non-traditional programs—all under one roof, while still allowing Moxie to streamline the approval process and maximize savings for the client.