Log in To Your Account


Forgot Password

Company Affiliation Disclaimer : West Capital Mortgage is not affiliated with Sun West Mortgage, as they are separate and distinct legal entities. In order to utilize AngelAi service offering from Sun West Mortgage, you must read and agree to the "Terms of Use" (https://www.angelai.com/terms-and-conditions/) and "Privacy Policy" (https://www.angelai.com/privacy-policy/).

Third Party Content, Products, and Services Disclaimer : This software provides access to or information on content, products and services from a third party (Sun West Mortgage). West Capital Lending is not responsible for and expressly disclaims all warranties of any kind with respect to this third party content, products and services. West Capital Lending will not be responsible for any loss, costs, or damages incurred due to your access to or use of third party content, products or services.

Lane Closures On 1-5 Southbound
WCL Loan Officer Quick Reference
W

West Capital Lending

Loan Officer Quick Reference

Fee Sheet Effective 04/27/2026
Correspondent Fees · Processing Fees · Credit Services · Submission Requirements

Correspondent Fee Pricing

WCL Core Fee Sheet
Section A — Processing / Admin / U/W
Processing FeeOr branch fee, set by VP
$650
Admin FeeCharged on all Core loans
$275
U/W — StandardConventional / VA Cash-Out
$1,100
U/W — Non-QM / DSCR
$1,470
U/W — VA IRRRL
$500
VA and loans in MO, NJ, IA, NC: lump U/W, Processing, and Admin together as one Origination charge in Section A.
Section B — Credit & 3rd-Party Processing
Credit ReportPayable to WCL FBO Advantage Credit
$129
3rd-Party Processing — StandardConventional / VA Cash-Out
$995
3rd-Party Processing — Non-QM / DSCR
$1,295
3rd-Party Processing — IRRRL
$650
Confirm with your EPC processor, some 3rd-party fees may vary.
Section C — Request the fee sheet from title to confirm no tolerance cures pop up.

Processing Fees

WCL In-House · EPC Third-Party · Branch
WCL In-House Processing
Broker Loans
$650
Rocket, EPM & Kind CORE Loans
$650
All Non-Rocket LendersNon-QM, DSCR / Hard Money, Construction, etc.
$650
HELOC — Under $150k
$250
HELOC — $150k and Over
$650
Hard Money / DSCR (business purpose) loans may carry a processing fee. If no processor is assigned, the fee applies to the WCL split — no licensed processor required.
Branch Processing
Exhibit APricing
Rocket Broker$650
CORE$650
Non-Rocket$650
HELOC, $150k+$650
HELOC, under $150k$250
Standard branch processing pricing, set by the Branch VP. Fees outside this require prior WCL approval. Applies only to LOs assigned to that branch. All teams default to this pricing unless listed below.
EPC Third-Party Processing
Conventional, VA, FHA, Jumbo, CORE
$995
DSCR, Non-QM, Non-QM 2nds
$1,295
IRRRL, Standard 2nd, Streamline
$650
Spring EQ HELOAN / HELOCLoan amount $50k and higher
$450
EPC also processes Core, Wholesale, USDA and 2nds. Cannot process for Symmetry or Velocity. NJ cannot be 3rd-party processed. Add the EPC fee in Section B of the correspondent fee sheet.
Fee Placement: the EPC processing fee must be listed in Section B for all lenders.

Spring EQ timing: the $450 fee must be entered at registration to be disclosed. It cannot be added after disclosures have gone out.
Branch Exceptions
Cash Flow
Runs separate pricing — Rocket Broker $795, CORE $795, Non-Rocket $795, HELOC $150k+ $650, HELOC under $150k $250.
Kingswood
Approved exception: retail LO pays 50% of the processing fee.
The Game Changer
Fully custom approved pricing — Rocket Wholesale $650, Core & Non-Rocket $895, HELOC under $150k $250, HELOC $150k and over $650.
Full branch roster: Power BI report “Processor Team Roster.”

Credit Services Pricing

Advantage Credit, Inc. · 2026
Credit Reports
Ind.Joint
Tri-Merge (EXP/TU/EQF)
$127.00$127.00
Experian only
$40.50$40.50
TransUnion only
$40.50$40.50
Equifax only
$40.50$40.50
Prequal Reports (Non-Trended)
Ind.Joint
Tri-Merge (EQF/EXP/TUC)
$71.00$142.00
Equifax only
$22.75$45.50
Experian only
$25.50$51.00
TransUnion only
$22.75$46.50
Pre-Approval (w/ Trended)
Ind.Joint
Tri-Merge (EQF/EXP/TUC)
$77.50$155.00
Equifax only
$24.00$48.00
Experian only
$27.75$55.50
TransUnion only
$25.75$51.50
Loan Quality Initiative
Refresh EQF/EXP (Joint/Individual)
$15.95
Undisclosed Debt Monitoring
Ind.Joint
Experian
$7.50$15.00
Equifax
$5.50$11.00
TransUnion
$10.00$20.00
Verification of Employment / Income
TWN — VOE
$75.95
TWN — VOI
$75.95
TWN — ReVerify
$75.95
TWN — Manual VOE/VOI
$75.95
TWN — Mortgage Select All
$83.95
Experian Verify
$70.00
Manual / Cust. Serv. VOE
$20.00
Manual / Cust. Serv. VOI
$26.00
4506-C Tax Transcripts
1 Year
$10.00
2 Year
$15.00
3 Year
$20.00
Verification of Assets
Finicity — 60 Day Period
$13.00
Account Check — 60 Day Refresh
$22.50
Compliance & Credit Verifications
FACTA Mailing (per borrower)
$3.00
FACTA Disclosure Email
$0.75
FACTA Fee — Individual
Included
Tradelines / Supplements
Included
Rush
$14.00
Merge / Unmerge Report
Included
Copy File
Included
Other Charges
Colorado Surcharge
$3.00
LOS Interface (per tri-merge)
Included
SmartSelect — FICO Cascade
Included
Flood Certifications
Flood LOL (w/ HMDA)
$11.00
Rescoring Tools (per person, per bureau)
ScoreNavigator Manual Simulator
$7.50
ScoreNavigator MAP
$7.50
ScoreNavigator Money & Target Sim.
$7.50
ScoreNavigator Preview (all units)
Included
FICO Mortgage Simulator
$18.00
Rescore
$45.00
Rescore — No Doc
$50.00
Rescore Processing Charge
$25.00
Direct & Reissue Services
FMAC — Reissue / Order
Included
FNMA — Order / Retrieve
Included
Secondary Use (per borrower)
Included
Fraud Detection
InstantID (with every report)
$2.00
L&J Report
$2.50
Person — SSA89 Verification
$8.00
ADV-120 (with Encompass)
$16.00
TU IDVision
Included
Figures do not include applicable local / state sales taxes. Credit report fee payable to West Capital Lending FBO Advantage Credit.

Submission Documentation Requirements

Basic Documents for Conditional Approval · LendingPad & SharePoint
Refinances
  • Signed Disclosures w/ LE
  • Government Issued ID
  • Hard Pull Credit Report
  • Mortgage Statement
  • HOI Declarations Page
  • [HOA Contact]
  • Income / Employment
  • 30 days of paystubs
  • 2 years W-2s or 1099 / Tax Returns
  • Assets / Bank Statements
Purchases
  • Signed Disclosures w/ LE
  • Government Issued ID
  • Hard Pull Credit Report
  • Fully Executed Purchase Agreement
  • Proof of EMD
  • HOI Declarations Page
  • [HOA Contact]
  • Income / Employment
  • 30 days of paystubs
  • 2 years W-2s or 1099 / Tax Returns
  • Assets
  • Proof of Funds
  • Down Payment + CC
  • Account Statements
FHA
  • Signed Disclosures w/ LE
  • Government Issued ID
  • Hard Pull Credit Report w/ Explanations if needed
  • Mortgage Statement or Purchase Contract
  • HOI Declarations Page
  • [HOA Contact]
  • Income / Employment
  • 30 days of paystubs
  • 2 years W-2s or 1099 / Tax Returns
  • Assets / Bank Statements
VA
  • Signed Disclosures w/ LE
  • Government Issued ID
  • Certificate of Eligibility
  • Hard Pull Credit Report
  • Mortgage Statement or Purchase Contract
  • HOI Declarations Page
  • [HOA Contact]
  • Income / Employment
  • 30 days of paystubs
  • 2 years W-2s or 1099 / Tax Returns
  • Assets / Bank Statements
Reverse
  • Signed Application (1009)
  • Counseling Certificate
  • Government Issued ID
  • Social Security Card
  • Income Documentation
  • Credit Report in LP & Quantum
  • Mortgage Statement
  • HOI Declarations Page
  • [HOA / PUD Contact]
  • [Power of Attorney]
  • [Trust Agreement]
West Capital Lending · Internal Loan Officer Reference · Not for external distribution
Correspondent fees effective 04/27/2026 · Confirm EPC, Advantage Credit, and Branch figures against current vendor / VP agreements