About Mortgage Elements

Mortgage Elements' website and the Mortgage Periodic Table is an indispensable tool for every Mortgage and Real Estate Professional. With the Mortgage Periodic Table, Mortgage / Real Estate Professionals can quickly locate and access relevant information on Wholesale, Correspondent, Mini-Corr, and Warehouse Mortgage Lenders and the Mortgage Loan Programs they offer across the country.

10 Seconds10 Seconds To Find Lenders In Your State

  • Go to
  • Click on a Loan Program
  • Choose a State from the drop down box
  • Click Go
  • The next page will display a list of Wholesale and Correspondent Mortgage Lenders offering that particular Mortgage Loan Program in that state.
  • Click on their name and you will be taken to their website where you can research their loan programs or get contact information.

    Mortgage Elements maintains a database of over 300 Wholesale, Correspondent, and Warehouse Mortgage Lenders and the different Loan Programs they offer in each state and throughout the country. The website and database are FREE for use by all Mortgage and Real Estate Professionals - there is no registration or subscription fee required. Listing in the database is FREE for all Wholesale, Correspondent, and Warehouse Lenders. The database is comprised of information gathered from public websites, readily available in the mortgage industry, or provided by the lender.

A Picture Tells a Thousand Words
The concept behind the Mortgage Elements and the Mortgage Periodic Table is to represent each different Mortgage Program with a symbol that follows a consistent and recognizable pattern - similar to the Periodic Table of Elements that everyone remembers from Chemistry class. These "Mortgage Symbols" are then organized and grouped in a table according to the type and term of the Loan Program. This methodology creates a "visual nomenclature" that is simple and easy to remember.

How the Mortgage Periodic Table works

The Mortgage Periodic Table is organized in 3 main sections - Fixed Rate Mortgages, Adjustable Rate, Mortgages (ARMs), and Specialty Mortgages. Within each section, the most common types of mortgages are clustered in a row according to the terms and/or amortizations. The most common Loan Programs available from Wholesale and Correspondent Mortgage Lenders are: Conforming (Conventional), FHA, VA, Jumbo, Refi Plus (Fannie HARP Loans), and Open Access (Freddie HARP Loans). Each Mortgage Program and term / amortization is represented by a unique symbol.

Fixed Rate Mortgage Programs
The left side of the Mortgage Periodic Table contains Fixed Rate Mortgage Programs with amortizations of
30 years, 25 years, 20 years, 15 years, and 10 years.

Adjustable Rate Mortgage Programs
The Right side of the Mortgage Periodic Table contains the most common types of Adjustable Rate Mortgage Programs (mostly Hybrid ARMs) with adjustment terms of 1 year, 3 years, 5 years, 7 years, and 10 years. Almost all Adjustable Rate Mortgages today carry a 30 year amortization.

Specialty Mortgage Programs
The bottom 2 rows of the Mortgage Periodic Table contain the most common Specialty Mortgage Programs. Lenders that offer Mortgage Warehouse Lines of Credit are also included in this section. Since this section is so diverse, not all the possible different Specialty Mortgage Programs can be listed. Specialty Mortgage Programs can have a Fixed Rate or Adjustable Rate with a wide variety of loan terms, but most typically have a 30 year amortization.

The Specialty Mortgage Programs offered by most Wholesale / Correspondent Lenders on the Mortgage Periodic Table are: Fannie High Balance, Freddie Super Conforming, Non-Warrantable Condos, Non Prime, 203k FHA Rehab, Mortgage Warehouse Lenders, Construction Loans, Rehab/Renovation Loans, Second (2nd) Mortgages, Equity Lines of Credit, Interest Only, FHA High Balance, FHA Streamline Refinance, VA IRRRLS (Interest Rate Reduction Refinance Loans), USDA Rural Development, Reverse Mortgages, Non-QM (Non Qualified Mortgage), Manufactured Homes, Mobile Homes, Lot (vacant land) Loans, Bridge Loans, Foreign National Loans, Asset Depletion, Asset Utilization.


Compatibility with Mobile Devices and Touch Screen Technology
The complex nature of Mortgage Lending and the vast amount of information available from Wholesale and Correspondent Mortgage Lenders makes it difficult for Mortgage Professionals to find and assimilate this data. This is especially true if they are working on a mobile device. Using graphic symbols in a table makes data visualization much easier for the Mortgage Professional similar to the way the Periodic Table of Elements made it easier for Chemists. The unique graphic design and layout of the Mortgage Periodic Table is compatible with touch screen technology and enables the user to access information from all stationary or mobile devices - Desktop / Laptop computer, iPad / Tablet, or Smartphone - all it takes is a few mouse clicks or taps on the screen.

The website contains links to different Wholesale, Correspondent, and Warehouse Mortgage Lenders' websites. These links help the user find, compare, and research the various Mortgage Loan Programs that are available from Wholesale, Correspondent, Warehouse, and other TPO Lenders (Third Party Originators). The amount of information available on each Mortgage Lender's public web pages varies according to the preferences of each lender.

Mortgage Elements continues to refine the website, add new features and functionality, and expand the database of Wholesale, Correspondent, and Warehouse Mortgage Lenders. All new or existing Wholesale, Correspondent, and Warehouse Lenders are welcome to be included in the database. If you would like to have your company listed as a lender, call the office at 630-529-3755, or send an email to