Clone of TPO Application & Agreement

TPO APPLICATION & AGREEMENT
Welcome to the Rockstone Wholesale Third Party Originator (TPO) & Business Purpose Only (BPO) Partner Application.

This application is designed to evaluate prospective partners who wish to access Rockstone Wholesale's lending platform. Approved partners will benefit from competitive loan products, streamlined technology, loan processing support, and dedicated account management.

Before applying, please review the criteria and ensure all necessary documentation is ready for upload. Incomplete applications may delay approval.

Application Criteria

To qualify for approval, applicants must meet the following baseline requirements:

Licensing
- Be appropriately licensed and registered to originate or broker loans in the states where you intend to do business.
- (Non-licensed investors applying for Business Purpose Only lending may be exempt depending on state law.)
Experience
- Company must have been in business for a minimum of 3 years OR
  Principals should demonstrate at least 5 years of mortgage industry experience
Financial Capacity
- Submit recent business financials showing a minimum of $25,000 in operating capital
  This ensures sustainability and readiness to operate at a wholesale lending scale
Industry Reputation
- Clean disciplinary history
- At least 2 verifiable business references
- Demonstrated compliance with federal, state, and industry regulations
- High ethical standards and commitment to borrower transparency
Good Standing
- Must be in good standing with all applicable regulatory, licensing, and revenue collection agencies
Required Documentation for Your Application Package

To complete your application as a TPO broker partner or Investor Non-Exempt with our wholesale mortgage platform, please review and gather the documents listed below. This documentation is required as part of our due diligence process to ensure compliance with industry regulations and to establish a successful, long-term relationship.

Providing a complete and accurate package will help expedite your approval process. If you have any questions or need assistance with any part of the documentation, contact your account executive or our helpdesk at (323) 774-5000 or helpdesk@RockstoneWholesale.com.

Company & Licensing Documentation
- Articles of Incorporation/Organization
- Third-Party Authorization to Complete and Submit TPO Application
- State Real Estate and/or business license(s)
- NMLS snapshot, organizational chart, or roster
- W-9 Form
Principal/Owner/LO Documentation
- Resumes of Principals/Owners (All owners and managers)
- Background Authorization/Consent Forms (built into the application)
Insurance and Financials
- Errors & Omissions (E&O) Insurance Certificate and/or
- Fidelity Insurance Certificate
Financial Statements
- Profit & Loss Statement
- Balance Sheet
Compliance & Policy Documentation
- Quality Control (QC) Plan
Training Certificates
- Any loan origination or real estate-related certificates
For Investor Non-Exempt Applicants (Buying Loans / Non-Brokerage)
All of the above, plus:
- Capital Verification or Proof of Funds
Estimated Completion Time

20–30 minutes, if documentation is prepared
Applications are typically reviewed within 2–3 business days
If you need assistance or have questions about any part of the application, please contact your account executive or our office at helpdesk@RockstoneWholesale.com or call (323) 774-5000.

Application & Process Type
Application Checklist Status
Application Processing Status
Office use only

MonthDayYear
For Calendar integration
Hour MinutesAM/PM Option
Select an Application Processing Type*
PAXI Email
Office Use Only. For testing emails or as sender option.
Approval Manager
Office Use Only. List the approval manager's email.
System Admin
Office use only. This is for auto emails.
Wholesale Manager
Office Use Only.
Account Code
Which channel are you applying for?*
TPO (Wholesale Broker Channel) Applicants
Typically submitting loans on behalf of clients (borrowers).

Business Purpose Only (BPO) Applicants
Typically submitting loans for non-owner-occupied investment or business-use properties.
YesNo
YesNo
How were you referred?
Explain:
Employee Name*
Branch?*
Do you have an Account Executive?*
Account Executive's Mobile*
Account Executive's Email
example@example.com

Applicant's Contact Information

Below are questions about who is submitting this application.
Applicant's First Name*
Applicant's Last Name*
Full Name
Title*
Office Phone
Format: (000) 000-0000.
Mobile Phone*
Format: (000) 000-0000.
Email*
Please put an email address to use as your main point of contact for all application and onboarding communication.

Business & Entity Information

A business entity is a company structure such as an LLC, Corporation, or Partnership under which you operate your mortgage or investment business. If you're a licensed brokerage, investor group, or operate under a registered business name, please complete this section. If you’re applying as a sole proprietor or individual without a registered business, you may skip this section.
Business Entity?*
State of Incorporation of Organization*
Business Name*
DBA (Doing Business As)
Date Formed*

MonthDayYear
Tax ID, EIN or Social Security*
Do not enter any dashes. Add nine digits.
Company NMLS Number*
A Company NMLS License is a state-issued authorization that allows a business entity (like an LLC or Corporation) to legally engage in mortgage-related activities such as brokering, lending, or servicing.
Upload file are limited to 10 mb. If your PDF is larger than 10 mb, you may find this Adobe compression tool handy. Click here.
Upload EIN letter from IRS

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Upload a copy of Partnership Agreement*

10mb limit
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Upload a copy of the Articles of Origination*

10mb limit
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Upload a copy of the Articles of Incorporations*

10mb limit
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Upload Voided Check or Direct Deposit Bank Letter*

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If a corporation or limited liability company, is the application a subsidiary of or controlled by another entity?*
If yes, indicate name of other entity.*
Business Main Phone*
Please enter a valid phone number.Format: (000) 000-0000.
Business Email*
example@example.com
Business Address Line 1*
Enter Building Number and Street
Business Address Line 2*
Add Suite, Room, or Office Number
Business City*
Enter City
Business State*
Business Zip Code*
Business Website
Preferable a website with all your disclosures and licensing information.
Include an organization chart, NMLS office print out, or office roster, if necessary.

10mb limit
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Broker of Record's Personal Contact Information

Information needed for background check.
I am the broker of recordI have a broker of recordI do not have a broker of record
Broker of Record's First Name*
Broker of Record's Last Name*
Broker of Record's Mobile Phone*
Format: (000) 000-0000.
Broker of Record's Email*
Broker of Record's NMLS Number*
Do not enter any dashes
Ownership / Management

Please list your information about ownership and management
How many Owners and Managers?*
1. Owner's First Name*
1. Owner's Last Name*
1. Owner's Title*
1. Owner's NMLS*
1. Owner's Email*
example@example.com
1. Percentage of Ownership*
1. Social Security Number*
No dashes
1. Owner's Date of Birth*

MonthDayYear
1. Owner/Broker's Home Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
1. Upload a copy of an official government ID or passport*

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1. Upload current resume*

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2. Owner or Manager's Name*

First NameLast Name
2. Owner or Manager's Title*
2. Owner or Manager's NMLS*
2. Owner or Manager's Email*
2. Percentage of Ownership*
2. Social Security Number*
No dashes
2. Owner or Manager's Date of Birth*

MonthDayYear
2. Owner or Manager's Home Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
2. Upload a copy of an official government ID or passport*

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2. Upload current resume*

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3.. Owner or Manager's Name*

First NameLast Name
3. Owner or Manager's Title*
3. Owner or Manager's NMLS*
3. Owner or Manager's Email*
3. Percentage of Ownership*
3. Social Security Number*
No dashes
3. Owner or Manager's Date of Birth*

MonthDayYear
3. Owner or Manager's Home Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
3. Upload a copy of an official government ID or passport*

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3. Upload current resume*

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4. Owner or Manager's Name*

First NameLast Name
4. Owner or Manager's Title*
4. Owner or Manager's NMLS*
4. Owner or Manager's Email*
4. Percentage of Ownership*
4. Social Security Number*
No dashes
4. Owner or Manager's Date of Birth*

MonthDayYear
4. Owner or Manager's Home Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
4. Upload a copy of an official government ID or passport*

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4. Upload current resume*

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5. Owner or Manager's Name*

First NameLast Name
5. Owner or Manager's Title*
5. Owner or Manager's NMLS*
5. Owner or Manager's Email*
5. Percentage of Ownership*
3. Social Security Number*
No dashes
5. Owner or Manager's Date of Birth*

MonthDayYear
5. Owner or Manager's Home Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
5. Upload a copy of an official government ID or passport*

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5. Upload current resume*

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6. Owner or Manager's Name*

First NameLast Name
6. Owner or Manager's Title*
6. Owner or Manager's NMLS*
6. Owner or Manager's Email*
6. Percentage of Ownership*
6. Social Security Number*
No dashes
6. Owner or Manager's Date of Birth*

MonthDayYear
6. Owner or Manager's Home Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
6. Upload a copy of an official government ID or passport*

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6. Upload current resume*

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Company or Individual's Production

Share recent loan production data to help Rockstone Wholesale assess your experience, volume, and focus areas in residential or business-purpose lending.
- FHA Loan Volume Previous Year ($)
- FHA Number of Loans Previous Year
- FHA Loan Volume Year-to-Date ($)
- FHA Number of Loans Year-to-Date
- VA Loan Volume Previous Year ($)
- VA Number of Loans Previous Year
- VA Loan Volume Year-to-Date ($)
- VA Number of Loans Year-to-Date
- Conventional Loan Volume Previous Year ($)
- Conventional Number of Loans Previous Year
- Conventional Loan Volume Year-to-Date ($)
- Conventional Number of Loans Year-to-Date
- Non-QM Loan Volume Previous Year ($)
- Non-QM Number of Loans Previous Year
- Non-QM Loan Volume Year-to-Date ($)
- Non-QM Number of Loans Year-to-Date
- 2nd Trust Deeds Loan Volume Previous Year ($)
- 2nd Trust Deeds Number of Loans Previous Year
- 2nd Trust Deeds Loan Volume Year-to-Date ($)
- 2nd Trust Deeds Number of Loans Year-to-Date
- YesNo
- Upload current year profit & loss and balance sheet. You can submit more than one file.*
  
  If you do not have an P&L and/or Balance Sheet, please submit Banks Statements that show a reserve of $25,000 or more.
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- Upload a copy of your bank statement showing reserves*
  
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- Would you like to add any comments regarding your financial documentation?

Lender References

List other lenders or investors you’ve worked with to help validate your business history and reputation in the mortgage industry.
- 1. Lender Reference's Company Name*
- 1. Lender Reference's Loan Type(s)*
- 1. Reference's First Name*
- 1. Reference's Last Name*
- 1. Lender Reference's Phone Number*
  Format: (000) 000-0000.
- 1. Lender Reference's Email*
- 2. Lender Reference's Company Name*
- 2. Lender Reference's Loan Type(s)*
- 2. Reference's First Name*
- 2. Reference's Last Name*
- 2. Lender Reference's Phone Number*
  Format: (000) 000-0000.
- 2. Lender Reference's Email*
- 3. Lender Reference's Company Name*
- 3. Lender Reference's Loan Type(s)*
- 3. Reference's First Name*
- 3. Reference's Last Name*
- 3. Lender Reference's Phone Number*
  Format: (000) 000-0000.
- 3. Lender Reference's Email*
- 4. Lender Reference's Company Name*
- 4. Lender Reference's Loan Type(s)*
- 4. Reference's First Name*
- 4. Reference's Last Name*
- 4. Lender Reference's Phone Number*
  Format: (000) 000-0000.
- 4. Lender Reference's Email*
- 5. Lender Reference's Company Name*
- 5. Lender Reference's Loan Type(s)*
- 5. Reference's First Name*
- 5. Reference's Last Name*
- 5. Lender Reference's Phone Number*
  Format: (000) 000-0000.
- 5. Lender Reference's Email*

BACKGROUND CHECK AUTHORIZATION
I hereby authorize Rockstone Wholesale and it's partner Rockstone Wholesale to conduct a background check regarding any of the information provided on this application. In connection with this authorization, I certify that I have obtained all required consents and approvals from all individuals listed on this application to authorize Rockstone Wholesale and its affiliates to conduct such background checks on such individuals. Applicant acknowledges that such reports and information will be obtained and used only in connection with Rockstone Wholesale's and Rockstone Wholesale's approval of Applicant and evaluation of Applicant’s eligibility to do business with Rockstone Wholesale and not for any other purpose. Applicant certifies to its best belief and knowledge that the information provided herein is true and correct. Rockstone Wholesale and its affiliates agree that any financial information provided by the Applicant will be treated as confidential and will not be released to any third party.
Applicant's First Name*
Applicant's Last Name*
Applicant's Title *
Date Background Authorization was signed:*

MonthDayYear
Date
Between Rockstone Wholesale ("Lender"), and the below broker company (hereinafter referred to as "Broker").*
Enter the broker's Company Name, Broker of Record, or Individual's Name

BROKER AGREEMENT
This AGREEMENT is entered into this date.*

MonthDayYear
WHEREAS the parties wish to establish a non-exclusive relationship between and for the benefit of Lender and Broker; Broker will submit to Lender, from time to time, selected and completed mortgage loan applications and supporting documents for review, underwriting and potential approval by Lender.

AGREEMENT NOW, THEREFORE, in consideration of the promises, covenants, and agreements hereinafter contained, the parties agree as follows:

1. Commitment to Responsible Lending:

Broker hereby affirms that it shares Lender's commitment to abide by fair lending principle and its primary obligation is to act in the best interest of any loan applicant and, therefore, agrees to always:
1. Carefully analyze each applicant’s financial situation. Broker will only submit loans to Lender on behalf of an applicant whose financial situation demonstrates an ability and willingness to repay the loan.
2. Ensure each applicant obtains an identifiable benefit from the terms of the loan.
3. Refrain from knowingly or intentionally steering or directing an applicant into a loan product that is not based upon the best credit grade that the applicant would qualify for under applicable underwriting guidelines.
4. In accordance with this standard, Broker will not knowingly submit an application for a non-prime loan for an applicant who is eligible for and whose needs are met by a prime loan.
5. Operate in full compliance with all applicable federal and state lending, non-discrimination, and brokering laws and regulations.
6. Ensure that each and every loan submission contains no false or misleading material information, including, but not limited to:
  1. The true source of the down payment is disclosed to Lender.
  2. The appraisal is free from undue influence by Broker or Broker’s agents.
  3. The applicant’s true credit characteristics are accurately calculated and disclosed.
Broker acknowledges and shares Lender's commitment to preventing mortgage fraud. Broker understands that Lender views fraud as both a criminal and predatory practice and that Lender may report fraud to licensing and/or criminal authorities and may civilly sue brokers and agents that participate in fraudulent activity.

2. General Broker Responsibility:

Broker shall perform all of the following duties and functions at Broker’s sole expense, and Broker agrees to truthfully provide and perform these conditions in addition to the other promises, representations, and covenants contained herein:
1. Submit to the Lender completed mortgage loan application packages (“Packages”) from applicants using such forms and under such programs, procedures, and fee schedules as the Lender periodically may establish.
2. For any loan application that utilizes an automated underwriting system offered to Broker for the purpose of issuing credit approval, Broker has properly and accurately input all income, debt, and other information as stated on the loan application and as required by applicable underwriting guidelines (“Guidelines”).
3. Furnish Lender the applicant’s credit, financial and other information as Lender may require.
4. Provide such additional information as Lender may reasonably request to assist Lender in marketing the between Rockstone Wholesale (“Lender”) and (hereinafter referred to as “Broker”).
5. Broker Agreement 3.8.22 Page 2 of 8 mortgage loans to the secondary market. Broker understands that such a request may occur after the closing of the mortgage loan by Lender.
6. Perform such other customary and reasonable services as Lender may require to close a mortgage loan.
7. Comply with all applicable local, state, and federal laws and regulatory requirements.
Authorized Representative's Signature for Broker Agreement*
Applicant's First Name for Broker Agreement*
Applicant's Last Name for Broker Agreement*
Applicant's Title for Broker Agreement*
Applicant's Signature Date for Broker Agreement*

MonthDayYear
Date
Lender's Signature for Broker Agreement
Lender's First Name for Broker Agreement
Lender's Last Name for Broker Agreement
Lender's Title for Broker Agreement
Lender's Signature Date

MonthDayYear
Date

BROKER COMPENSATION AGREEMENT
As part of the Broker Agreement executed between Rockstone Wholesale (“Lender”) and the Broker's Company Name listed below ("Broker"),*
Enter Broker's Company Name, Broker of Record, or Individual's Name
Broker and Lender enter into this Broker Compensation Agreement (“Agreement”). All compensation paid to Broker ("Broker Compensation") is subject to comply with the LO Compensation rules contained within Regulation Z of the Truth in Lending Act (12 CFR 226). By signing this Agreement, Broker attests that written compensation policies and procedures are in place for each employee of the firm and is fully compliant with all federal, state, and local laws and regulations. Broker additionally attests that all its loan officers are compensated in compliance with the Loan Officer Compensation Requirements listed in Regulation Z 10206.36. As provided therein, loan officer compensation may be based on a percentage of the loan amount, but may not be based on terms of the transaction, including but not limited to interest rate, APR, LTV, loan program, etc.

Broker hereby makes a Broker Compensation election, to be accepted in Lender’s sole discretion. This Broker Compensation election will be effective for all mortgage loans registered and funded by Lender on or after the execution of the Agreement. Any changes to this election must be made by written notice under the terms of the Compensation Change Process below.
Select a percentage rate:*
Mortgage Broker selects the following minimum dollar thresholds:*
Mortgage Broker selects the following maximum dollar thresholds*
Borrower Paid Compensation Plan

Lender limits the amount of compensation paid to the Broker by the Borrower to a maximum of percentage indicated on the Lender-Paid Comp. The Broker is required to submit the Broker Fee Sheet form to Lender with any Borrower Paid compensation percentage stated up to the maximum allowed. This form is required to be submitted upon the submission of the loan application to Lender. Borrower Paid Compensation is a financial agreement exclusively between the Broker and Borrower that is agreed upon by both parties prior to submission of the loan application to Lender. The Borrower Paid Compensation Plan requires that the Borrower bring their own funds to closing to cover the compensation. Seller concessions may also be used on purchase transactions only. Lender will not allow the Broker to reduce or otherwise change compensation under this Borrower Paid Compensation Plan.

Compensation Change Process

Changes to the Broker Compensation election may only be made effective for the first date of the next calendar quarter (January 1, April 1, July 1, October 1). Compensation modification requests must be submitted with a minimum of ten business days advanced notice prior to the end of the quarter. All change requests must be submitted to your Account Executive and must include an appropriate business justification. Lender reserves the right to accept or reject all compensation change requests to ensure compliance with all federal, state, and local laws and regulations as well as Lender’s guidelines. Approved Broker Compensation election changes will be provided in writing and go into effect on the first business day of the calendar quarter after the change request is received and approved. If requested, Broker will provide Lender a copy of its Loan Originator Compensation Policy. This policy and the operational procedures followed by the Broker must always comply with all federal, state, and local laws and regulations.

The representative signing below certifies they are duly authorized to bind the Broker to all Agreement terms.
Applicant's Signature for Compensation Agreement*
Applicant's First Name for Compensation Agreement*
Applicant's Last Name for Compensation Agreement*
Applicant's Title for Compensation Agreement*
Applicant's Representative's Signature for Compensation Agreement*

MonthDayYear
Date

BROKER COMPLIANCE ATTESTATION

Certify that your business adheres to all applicable state and federal regulations, and affirm your understanding of Rockstone Wholesale's compliance standards.
WHEREAS the parties wish to establish a non-exclusive relationship between and for the benefit of Lender and Broker; Broker will submit to Lender, from time to time, selected and completed mortgage loan applications and supporting documents for review, underwriting and potential approval by Lender.

AGREEMENT NOW, THEREFORE, in consideration of the promises, covenants, and agreements hereinafter contained, the parties agree as follows:

1. Commitment to Responsible Lending:

Broker hereby affirms that it shares Lender's commitment to abide by fair lending principle and its primary obligation is to act in the best interest of any loan applicant and, therefore, agrees to always:
1. Carefully analyze each applicant’s financial situation. Broker will only submit loans to Lender on behalf of an applicant whose financial situation demonstrates an ability and willingness to repay the loan.
2. Ensure each applicant obtains an identifiable benefit from the terms of the loan.
3. Refrain from knowingly or intentionally steering or directing an applicant into a loan product that is not based upon the best credit grade that the applicant would qualify for under applicable underwriting guidelines.
4. In accordance with this standard, Broker will not knowingly submit an application for a non-prime loan for an applicant who is eligible for and whose needs are met by a prime loan.
5. Operate in full compliance with all applicable federal and state lending, non-discrimination, and brokering laws and regulations.
6. Ensure that each and every loan submission contains no false or misleading material information, including, but not limited to:
  1. The true source of the down payment is disclosed to Lender.
  2. The appraisal is free from undue influence by Broker or Broker’s agents.
  3. The applicant’s true credit characteristics are accurately calculated and disclosed.
Broker acknowledges and shares Lender's commitment to preventing mortgage fraud. Broker understands that Lender views fraud as both a criminal and predatory practice and that Lender may report fraud to licensing and/or criminal authorities and may civilly sue brokers and agents that participate in fraudulent activity.

2. General Broker Responsibility:

Broker shall perform all of the following duties and functions at Broker’s sole expense, and Broker agrees to truthfully provide and perform these conditions in addition to the other promises, representations, and covenants contained herein:
1. Submit to the Lender completed mortgage loan application packages (“Packages”) from applicants using such forms and under such programs, procedures, and fee schedules as the Lender periodically may establish.
2. For any loan application that utilizes an automated underwriting system offered to Broker for the purpose of issuing credit approval, Broker has properly and accurately input all income, debt, and other information as stated on the loan application and as required by applicable underwriting guidelines (“Guidelines”).
3. Furnish Lender the applicant’s credit, financial and other information as Lender may require.
4. Provide such additional information as Lender may reasonably request to assist Lender in marketing the between Rockstone Wholesale (“Lender”) and (hereinafter referred to as “Broker”).
5. Broker Agreement 3.8.22 Page 2 of 8 mortgage loans to the secondary market. Broker understands that such a request may occur after the closing of the mortgage loan by Lender.
6. Perform such other customary and reasonable services as Lender may require to close a mortgage loan.
7. Comply with all applicable local, state, and federal laws and regulatory requirements.
Applicant's Signature for Broker Compliance Attestation*
Applicant's First Name for Broker Compliance Attestation*
Applicant's Last Name for Broker Compliance Attestation*
Applicant's Title for Broker Compliance Attestation*
Date of Applicant's Signature for Broker Compliance Attestation*

MonthDayYear
Date

ADDENDUM TO BROKER AGREEMENT
This Addendum to Broker Agreement (“Addendum”) is entered into by and between Rockstone Wholesale (“Lender”) and the mortgage broker identified below (“Broker”) (hereinafter collectively referred to as the “Parties”) as of the date execution stated below.

Recitals
1. Broker entered into that certain Broker Agreement (“Agreement”) with Lender and currently is an Approved Broker of Lender.
2. Broker may, from time to time, submit application packages for residential mortgage loans to Lender for underwriting review and possible funding under the terms and conditions of the Agreement. NOW THEREFORE, in consideration of the RECITALS set forth above and subject to the mutual promises and covenants set forth below, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:
1. Binding Effect. The Agreement, and any amendments or addendums thereto, shall apply to mortgage loan applications submitted to Lender in any name in which Lender does business.
2. Lender Paid Compensation. For any loan submitted to Lender that Broker requests to be paid by Lender, and in accordance with Regulation Z (12 CFR Part 226). Broker shall be compensated in the same amount as specified in their then-current lender paid compensation election, regardless of the name in which Lender is doing business.
3. Continuing Effect. This Addendum shall not affect Broker’s or Lender’s rights and obligations with respect to any loans submitted or funded under the Agreement.
Executed as of*

MonthDayYear
Date
Applicant's Signature for Addendum to Broker Agreement*
Applicant's First Name for Addendum to Broker Agreement*
Applicant's Last Name for Addendum to Broker Agreement*
Applicant's Title for Addendum to Broker Agreement*

Fair Lending Policy
Rockstone Wholesale is committed to treating all customers fairly and equally. We strive to ensure Rockstone Wholesale does not discriminate in any part of lending transactions based on the following:
- Race,
- Color,
- Religion,
- National Origin,
- Sex,
- Marital Status,
- Familial Status,
- Military Status,
- Sexual Orientation,
- Age, provided the applicant has the capacity and meets the underwriting requirements for age,
- Disability,
- Receipt of public assistance income, whether a person has exercised any right under the Consumer Protection Act (this includes the Truth in Lending Act) or
- Any other basis prohibited by law.
Rockstone Wholesale's management and employees are committed to fair lending practices. It is Rockstone Wholesale's policy to make credit products available to all applicants who meet our business focus in a fair and consistent manner within the confines of safe and sound business practices. The following is Rockstone Wholesale's Fair Lending Policy statement:
- Rockstone Wholesale is fully committed to the principle all credit decisions should be made without regard to the items listed above and will fulfill this commitment while maintaining prudent credit discipline and sound business practices.
- Rockstone Wholesale recognizes affirmative steps must be taken to ensure that this principle is applied consistently and continuously throughout all aspects of our credit operation, including product design, sales and marketing, underwriting, training, performance evaluation, and servicing practices.
- Rockstone Wholesale monitors the operation and achievements on a regular basis to ensure procedures are followed and Rockstone Wholesale's objectives are met.
- Rockstone Wholesale will continue to make changes in our operations as we identify ways to meet our commitment to fair lending more effectively.
- Everyone at Rockstone Wholesale involved in the credit process must strictly comply with fair lending requirements.
- Rockstone Wholesale requires loan terms, rates, and fees to be consistent with applicant qualification, the applicant has the ability to repay the obligation and the applicant receives a tangible benefit from the loan
  transaction.
Initial here: *

Loan Fraud Zero Tolerance
This Addendum to Broker Agreement (“Addendum”) is entered into by and between Rockstone Wholesale and AMP Mortgage (“Lender”) and the mortgage broker identified below (“Broker”) (hereinafter collectively referred to as the “Parties”) as of the date execution stated below.

Recitals
1. Broker entered into that certain Broker Agreement (“Agreement”) with Lender and currently is an Approved Broker of Lender.
2. Broker may from time to time submit application packages for residential mortgage loans to Lender for underwriting review, and possible funding under the terms and conditions of the Agreement.
  
  NOW THEREFORE, in consideration of the RECITALS set forth above and subject to the mutual promises and covenants set forth below, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:
1. Binding Effect. The Agreement, and any amendments or addendums thereto, shall apply to mortgage loan applications submitted to Lender in any name in which Lender does business.
2. Lender Paid Compensation. For any loan submitted to Lender that Broker requests to be paid by Lender, and in accordance with Regulation Z (12 CFR Part 226). Broker shall be compensated in the same amount as specified in their then current lender paid compensation election, regardless of the name in which Lender is doing business.
3. Continuing Effect. This Addendum shall not affect the Broker’s or Lender’s rights and obligations with respect to any loans submitted or funded under the Agreement.
Initial here: *

Complete and Submit Your W-9
Follow this link https://www.irs.gov/pub/irs-pdf/fw9.pdf to complete the W-9, then upload it below.
YesNo
Where would you like us to email you the rate sheet?*
Add an email address
YesNo
Complete and sign the w-9 above and upload it here*

10 mb limit
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Should be Empty:

TPO APPLICATION & AGREEMENT

Application & Process Type

Applicant's Contact Information

Business & Entity Information

Broker of Record's Personal Contact Information

Ownership / Management

State Licensing

Company or Individual's Production

Rockstone Wholesale TPO Portal Access

Lender References

DISCLOSURES

BACKGROUND CHECK AUTHORIZATION

BROKER AGREEMENT

BROKER COMPENSATION AGREEMENT

BROKER COMPLIANCE ATTESTATION

ADDENDUM TO BROKER AGREEMENT

Fair Lending Policy

Loan Fraud Zero Tolerance

Complete and Submit Your W-9