For credit unions
Credit unions receive deal flow matched to member-focused lending programs
A credit union on YieldStack publishes its commercial, owner-occupied and small multifamily programs, and only deals that clear those programs are shown to it. Every deal arrives pre-screened for bankability with a credit narrative attached, drawn from the same 20,000+ programs a borrower's single submission is screened against, with 5–8 matches on a typical deal. Credit unions respond with terms on the platform, and a human deal team carries the file through closing.
- 20,000+loan programs in the screen
- 5–8matches on a typical deal
- Zero upfrontfor a borrower to submit
- 1 hourmedian first offer
What deal flow does a credit union receive?
A credit union sees deals that already clear the commercial, owner-occupied and small multifamily programs it published, sized for a member-focused, relationship-first credit box. The typical file is a stabilized small commercial or small multifamily property within the field of membership a credit union already serves.
YieldStack is a commercial mortgage brokerage, not a lender. A deal outside a credit union's published field of membership or appetite is never sent to it, so review time goes to files that were already a fit.
How are deals screened against the programs you publish?
A borrower describes the deal once, in a 5-minute submit, and that single file is screened against 20,000+ loan programs, with most deals returning 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. The screen runs the checks a credit union's own loan committee would run first, on property, sponsor and business-plan factors.
Deals stay anonymous before a letter of intent, so what arrives first is the file and the narrative around it, already packaged for a member-focused underwriting review.
What does YieldStack never do with your program data?
A credit union's field of membership and published programs are used to route deals to it and for nothing else. They are never resold to competing credit unions or to appetite-intelligence services.
New lenders joining the network are vetted before they are added, so a credit union quoting alongside others is quoting alongside a curated set.
How does YieldStack get paid?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
YieldStack is a commercial mortgage brokerage, not a lender. It does not originate loans or extend credit, and it takes no position in a deal it places. Every credit decision stays with the credit union.
Frequently Asked Questions
How do you decide which deals to send a credit union?
By the commercial and small multifamily programs the credit union publishes, matched against its field of membership. A deal outside those criteria is not sent.
Is our loan program data shared with other credit unions?
No. Program criteria are used to route deals to a credit union and are never resold to competitors or to appetite-intelligence services.
Can any credit union join the network?
No. New lenders are vetted before joining. Qualified credit unions expect deals from qualified borrowers, and the reverse, so the participating set stays curated.
Does YieldStack compete with the credit unions on the platform?
No. YieldStack is a commercial mortgage brokerage, not a lender. It does not originate loans or hold capital, and it takes no position in a deal it places.
What does a credit union pay to receive deals?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing. The fee sits on the borrower's side of the closing, so it does not come out of a credit union's pricing.
How does a credit union respond to a deal?
With terms, on the platform. The borrower reads those terms beside the other offers on the same file, so the comparison happens on identical information.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
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Publish your programs.See only what fits.
YieldStack is a commercial mortgage brokerage, not a lender.