Personal service. Industry expertise. Financial stability.

The quality of a mortgage warehouse lender matters more than ever. Work with one who understands your business.

Relationships matter.

In the mortgage marketplace, the right relationships can set you apart from the rest. When you work with Truist Mortgage Warehouse Lending, our experienced mortgage bankers will be dedicated to providing you options, stability, and superior client service for a smooth lending experience.

We work with committed internal teammates to help you grow your business, offer substantial synergistic efficiencies, and provide outstanding value and insight.

  • Truist Correspondent Lending – Purchases loans to reduce your warehouse pricing.
  • Deposit and Treasury Services – Offers variety of deposit and treasury management products to manage your business.
  • Truist Community Bank network

We earned our place as a top nationwide mortgage warehouse lender by providing superior warehouse lending services—annual, committed credit facilities secured by residential mortgages. We welcome the opportunity to show you how we can enhance your warehousing profile.

Discover the advantages of Truist Mortgage Warehouse Lending.

Our goal is simple—deliver as promised and give you the stability and tools you need to be successful.

Advantages

  • We’re proud to have over 20 years of mortgage warehouse lending experience.
  • Our balance sheet is strong and steady, providing funding stability to clients through committed facilities during all market conditions.
  • We offer direct facilities from $20 million to $550 million and ability to agent syndicated warehouse facilities.
  • Our collateral products include agency, FHA, VA, USDA, state bonds, and certain jumbo and super-jumbo, first-lien residential mortgage loans.
  • We’re a national lending platform supporting wet and dry funding.

Services

  • Our clients work with a dedicated relationship manager and portfolio manager team.
  • Every new client receives comprehensive onboarding support.
  • Warehouse facilities up to $550 million are available for qualified clients.
  • Borrower covenants are built to work with the goals of your business.

Prices

  • Advance rates up to 100% can leave more cash in your business.
  • Typically, no restricted or pledged cash is required. 
  • We offer competitive interest rates and low fees to add more flexibility to your balance sheet. 

Meet our relationship managers.

Our team is ready to help. Contact the manager serving your area with questions.

State of residence

Samuel Bryan

Serving Kentucky, Virginia, West Virginia, Iowa, Kansas, Missouri, Nebraska, Arizona, Colorado, Nevada, New Mexico, Oklahoma, and Texas.

Mr. Bryan is a Senior Vice President with Truist Warehouse Lending. He has more than 26 years of experience in residential mortgage warehouse lending including relationship management and credit risk analysis. Mr. Bryan joined Truist in 2008 after holding mortgage warehouse lending positions with Countrywide, Residential Funding Corporation, Wells Fargo, and Prudential Home Mortgage. Prior to warehouse lending, Mr. Bryan held accounting and auditor positions with Clark Enterprises in Bethesda, Md., and a CPA position with Coopers & Lybrand in Washington, D.C.

Mr. Bryan holds an MBA from the University of Maryland and a bachelor’s degree in business administration and accounting from the College of William & Mary in Virginia.

Stephen Kleindienst

Serving Delaware, Washington, D.C., Maryland, New Jersey, Pennsylvania, Minnesota, North Dakota, South Dakota, Wisconsin, Eastern Tennessee, Illinois, Indiana, Ohio, and Michigan.

Mr. Kleindienst joined Truist Warehouse Lending as a Senior Vice President in 2008. His primary responsibilities include business development and client management, managing a portfolio in excess of $3 billion. Mr. Kleindienst has more than 33 years of experience providing financial solutions. His previous experience includes 11 years with GMAC-RFC Warehouse Lending where he managed a portfolio of approximately $2.7 billion.

Mr. Kleindienst graduated from Mount Saint Mary's College with a bachelor's degree in business and finance, and won the Truist Annual Performance Award in 2019 and 2020.

Michele Perrin

Serving California, Idaho, Montana, Oregon, Utah, Washington, and Wyoming.

Ms. Perrin joined Truist Warehouse Lending in 2015 as senior vice president and relationship manager. Prior to joining Truist, she was a consultant with Perrin & Associates, helping mortgage companies find warehouse lines and raise additional capital and providing expert witness and consulting services for warehouse lenders. For 11 years, Ms. Perrin was the top salesperson at Chase Bank’s Warehouse Lending program. She was previously chief financial officer at Impac Mortgage Holdings, taking that company public and creating the REIT structure it now employs.

She is a CPA and Master CMB, and has a bachelor's degree in accounting and finance from California State University, Long Beach.

Chad Cain

Serving Alabama, Georgia, Florida, South Carolina, Connecticut, Maine, Massachusetts, Vermont, New Hampshire, New York, Rhode Island, Arkansas, Louisiana, Mississippi, North Carolina, and Western Tennessee.

Mr. Cain is a Senior Vice President/Relationship Manager and has 20-plus years of experience with Truist Warehouse Lending.  Throughout his time with Truist, he has held both Portfolio Manager and Relationship Manager roles. He actively manages a number of clients, including smaller regional companies and larger national originators. Previously, Mr. Cain has led Truist’s community outreach program, the Lighthouse Project, for Mortgage Warehouse Lending. 

Mr. Cain has a bachelor’s degree in finance from the University of Florida.