Built for Wholesale Partners, Backed by 40 Years of Experience.
Your Partner in Smarter and Easier Loan Origination
Exceptional partners deserve a lender who keeps time with them. We bring the lending solutions, the in-house experts, and the intelligent automation that keep every file moving in rhythm — so you can stay focused on growing your business.
Smarter Tools for
Stronger Partnerships
Your business runs on trust and timing. First Colony Wholesale keeps everything on track, so you never miss a beat, lose momentum on a file, or leave a client waiting. We pair 40+ years of lending experience with proactive communication, friendly service, and the smart technology you need to impress your clients and scale faster.
Tech That Saves Time
Our partner origination portal, CODA, was built to make lending feel effortless. Built-in automation and accuracy tools keep every file moving quickly and cleanly — so your pipeline stays in tempo and you stay on track.
Always Responsive
You’ll always know exactly where your file stands. The First Colony Wholesale team is friendly, proactive, and committed to keeping you in the loop from submission to closing — and any time you have a question, we’re ready to pick up the thread.
A Full Product Suite
Our deep product suite gives you room to say yes more often — including clients who don’t fit the traditional lending profile. Whatever the scenario, we help you find the right note for the deal.
Faster Closings for Happier Clients
Fast turn times and clear communication get your clients to the closing table on time, every time. We hit our marks so you always look like the hero.
Partner With Experts Who Care
From your Account Executive to our Operations team, you’ll work with First Colony Wholesale experts who are genuinely invested in you and your clients. Your continued success is what keeps us in sync — and it’s our top priority.
Four Decades of Lending Experience
Founded in 1984 and licensed in 48 states, First Colony has funded over 70,000 mortgages and counting. We’ve built our reputation one happy client at a time, and we’re committed to giving our partners exceptional service that never misses a beat.
What Our Partners Say
Meet CODA
In music, a coda is the passage that brings everything together — the finish that makes the whole piece land. That’s exactly what our new partner portal does for your business. Submit files, track every deal in real time, and connect with the First Colony Wholesale team — all in one place, all in sync, so you never miss a beat from first look to final signature.
How it works
1. Become a Partner
Get access to CODA, our secure partner portal — built exclusively for the mortgage partners who originate with us.
2. Originate with Confidence
Easily submit files, upload documents, and connect with your Account Executive, all in one secure place. Every deal starts on the right note.
3. Automate & Scale
Put our technology to work — monitor rates, manage market conditions, and keep every document in one place. Powerful automation handles the busywork, so you can keep tempo and scale your business faster.
4. Close Easier
Enjoy faster turn times, friendly communication, and expert wholesale support from the moment you join. CODA carries every file through to a confident close.
First Colony Wholesale Lending Options
Every borrower has a unique story — and we have an option to fit each one. Whether you’re working on a straightforward conventional purchase or helping a self-employed borrower with complex income, First Colony Wholesale has the products (and the people) to get you to the closing table in perfect time.
True Zero
Like its name suggests, a True Zero loan requires no money down and is our FHA assistance program that gives qualified buyers 100% financing, opening doors for first-time buyers who may need a little extra help.
USDA
For buyers looking to put down roots in rural or suburban areas, USDA loans require no down payment required and have lower mortgage insurance costs than conventional loans.
LUX Jumbo
When your client’s goals are bigger than conforming limits, a LUX loan is a great option. Our jumbo product line handles higher-value properties that fall outside standard FNMA/FHLMC guidelines, with the same speed and support that you expect.
SHARP Non-QM
Not every prospective borrower fits the traditional mold. Our Non-QM product line was designed for self-employed borrowers, investors, and clients with unique income structures so you can say “Yes” more often.
About First
Colony Wholesale
We’re a family-founded company, licensed in 48 states, with over 70,000 mortgages funded and counting. Our wholesale division was built to bring that same commitment to the partner community — giving you a lending partner who shows up, communicates clearly, and helps you deliver for your clients every time. We do more than help you close; we help you find the rhythm that keeps your business growing, and confidently reach what’s next.
