Growth & Scalability
The Mortgage Partnership Finance® (MPF®) Program is designed to help you expand your mortgage business, serve more borrowers, and adapt to the changing needs of your institution and your community.
Scalable Solutions for Every Stage of Growth
We have multiple product options that are scalable to the size of your business and support your growth. Members can work with their FHLBank to determine the best solution based on their risk tolerance, while earning income when their loans perform well. We partner with institutions of every size to help meet their lending goals. No matter your mortgage strategy, the MPF Program offer flexible solutions. As your business grows and changes, we’re ready to evolve alongside you.
Our MPF products provide multiple servicing options—retained, released, or sub-servicing—and the flexibility to deliver loans individually or in bulk. With best-efforts or mandatory commitments available, you can align delivery with your institution’s growth strategy.
As your portfolio expands, the MPF Program makes it simple to evolve—adding new loan types, refining pipeline management, and accessing investor channels that match your goals.
How We Support Growth & Scalability
The MPF Program provides the tools, flexibility, and service members need to grow their mortgage business efficiently and competitively.
Flexible Servicing & Delivery
Choose from servicing retained, released, or sub-servicing; deliver loans individually or in bulk; and adapt as your institution evolves.
Technology That Scales
Leverage product-pricing engines, eNotes, and the MPF Customer Service Portalto manage your mortgage business more effectively as it grows.
Competitive Market Advantages
Benefit from no loan-level price adjustments, low-loan balance pricing, and borrower-focused programs that help you compete and win in your markets.
Streamlined Support
Access education resources and streamlined approval processes for guidance and efficiency at every stage of growth.
FAQs
Find answers to your most pressing questions on our MPF Products here.
Whether you’re a small community lender or a larger institution, the MPF Program provides flexible delivery, servicing, and technology options that scale with your business.
Members have access to pricing engines, eNotes, a customer service portal, and ongoing education resources to streamline operations and expand effectively.
With pricing advantages, unique borrower programs, and multiple revenue streams, the MPF Program gives members a competitive edge in serving more borrowers and markets.
Community Lenders Share Their Experience
"The ability to originate loans and sell them through the MPF Traditional products without loan-level price adjustments gives us the flexibility to compete with other lenders. Sometimes members tell us they want to keep their business with our credit union but they’ve received a matching or even better quote than what we’ve initially offered. In these cases, the lack of LLPAs gives us the pricing flexibility we need to compete and continue to serve our membership without sacrificing profitability."
Daniel McLean
Vice President, Quality Control and Secondary Market Sales, Credit Union 1
"We appreciate the flexibility to either hold loans on our balance sheet until an opportune time or sell them immediately, with best efforts or mandatory lock execution—whatever market conditions require. In the current high-rate environment, having the ability to quickly move loans off the balance sheet in moments of market improvement has been especially helpful."
Russ Bernardo
Chief Lending Officer, OCCU
"As we’ve scaled up our mortgage operations, the MPF Traditional products have given TTCU the tools and resources to operate like a larger lender, with much greater flexibility in reporting requirements than other GSEs as well as the option to continue servicing our members’ loans."
Floyd Goode
Senior Vice President, Chief Lending Officer, TTCU Federal Credit Union
"Managing liquidity can be a challenge for lenders when interest rates rise. Texas Tech Credit Union originates a high volume of mortgages for our asset size, which means it’s important for us to sell and transfer loans promptly so we can turn around and provide loans to more members. With the MPF Traditional products, we’ve been able to complete this process quickly and easily, usually within 48 hours versus the seven to 10 days we’d expect with another investor."
Greg Couture
Mortgage Operations Director, Texas Tech Credit Union
"We’ve found the MPF Program to be a friendly introduction to the secondary market. The guidelines are exceptionally easy to follow, and gaining access to Fannie Mae’s Desktop Underwriter® through the Program has made the process even smoother."
Darlene Vigil
Assistant Vice President/Real Estate Manager, State Employees Credit Union
Explore More Resources
eMPF Information
The eMPF Website is a secure transaction portal available to authorized users of member institutions participating in the MPF Program. Explore our video tutorial library on common eMPF processes.
eMAQCSplus
Use eMAQCS®plus for MPF Quality Control and Default Management reporting and pipeline management. Sign up to receive eMAQCSplus credentials for Quality Control and/or Default Management and explore our eMAQCSplus resources.
MPF Data Resources
Access data resources that support loan delivery, servicing, quality control, and on-going program management.