Founded in 1994, Irwin Home Equity has grown to manage over $2.4 billion in loans and is located in San Ramon, California, just outside San Francisco. Irwin is a market-driven, consumer lender that originates, purchases, sells, and services a variety of first mortgages through direct to consumer lending, brokers, and strategic alliances. Led by a seasoned management team, Irwin has a diversified staff to cover all aspects of the consumer mortgage lending process.

IHE operates in a number of distinctive market sectors. It provides Brokers with innovative loan products, solutions, and services that help them enhance their client relationships. IHE’s Capital Markets works to identify and foster a variety of customized programs for its alliances and partners. Irwin’s Retail Channel supplies homeowners with practical loans that fit their lifestyles and needs.

Today, Irwin is leading the way in the high loan-to-value (HLTV) lending market with first mortgages up to 95% LTV, both for purchase and refinance. Irwin has consistently proven that its HLTV products are reliable and profitable by focusing on high credit quality customers as well as employing best-of-class credit and loan origination practices.

In addition, Irwin has a full, in-house servicing capacity for home equity loans, lines of credit, and first mortgages, including a collections and charge off unit. Currently, IHE services over 44,000 loans in-house.

IHE is a subsidiary of the Irwin Union Bank and Trust Company (IUB), which itself is a subsidiary of the Irwin Financial Corporation (IFC). This relationship allows Irwin to maintain its liquidity, even when there are temporary lulls in the mortgage market.

Adding value to all relationships is important to everyone at IHE. IHE takes all of its stakeholders (customers, partners, employees, suppliers, investors, and society) into account in everything it does, from its day-to-day decision making to its long-term planning. In the end, by incorporating its stakeholders’ needs with its guiding philosophy and its long-term business goals, IHE provides superior value and service that is unmatched in the mortgage industry.