Residential Transition Loans
The marketplace where RTL meets bank capital.
Ola connects residential transition loan originators with community banks and credit unions — with standardized data, independent diligence, and certainty of execution on both sides of the trade.
| Loan | UPB | Rate | Status |
|---|---|---|---|
| RTL-2417 | $412,500 | 10.25% | Diligenced |
| RTL-2418 | $287,000 | 10.75% | Diligenced |
| RTL-2421 | $535,000 | 9.95% | In review |
| RTL-2423 | $361,250 | 10.50% | Diligenced |
| RTL-2425 | $448,900 | 10.10% | In review |
What Ola is
Residential transition lending is a multi-billion-dollar asset class that still trades on relationships, spreadsheets, and re-underwriting from scratch. Ola is the trusted intermediary in the middle — so originators get reliable takeout, and depositories get short-duration whole loans they can actually underwrite.
Built for both sides of the trade
One marketplace, two problems solved.
For originators
Takeout you can count on.
You shouldn't have to choose between aggregator pricing and the uncertainty of one-off bank relationships. Ola gives you a standing channel to depository capital.
Certainty of execution. Pre-qualified bank buyers with defined credit boxes — know what clears before you commit.
Submit once. One standardized tape and document set, reused across every buyer on the platform.
Diversified demand. Reduce dependence on any single aggregator or credit fund as your takeout.
For banks & credit unions
RTL exposure without building a desk.
Short-duration, high-coupon, first-lien residential credit — sourced, standardized, and diligenced so your credit committee can evaluate it like any other asset.
Independent diligence. Every loan reviewed against a consistent credit framework before it reaches your screen.
Committee-ready data. Standardized tapes, documents, and surveillance reporting built for bank credit and exam processes.
Buy at your size. Participate loan-by-loan or in small pools — no nine-figure forward flow commitment required.
How it works
From tape to trade in three steps.
The process is deliberately boring. Standardization and diligence happen before a loan is ever shown, so the transaction itself is simple.
Originators submit loans
Loan data and documents are mapped to a single schema and validated. Gaps and inconsistencies are flagged back to the originator before anything goes live.
Ola reviews every loan
Independent credit and document review against a published framework. Buyers see the same diligence output on every loan, from every originator.
Banks buy with confidence
Buyers filter to their credit box, review committee-ready files, and execute. Ola supports settlement and ongoing surveillance reporting after close.
Why a marketplace needs a referee
Matching is easy. Trust is the hard part — so that's what we built.
Standardized data as the foundation
RTL has no common tape format, no shared diligence standard, and no clean secondary-market record. Ola's schema and review framework turn every loan into a comparable, auditable asset — and every trade adds to a dataset that makes the next one easier to price.
Aligned with both sides
Ola doesn't originate and doesn't compete with the firms on its platform. Our role is to make the market clear — consistent diligence for buyers, consistent treatment for sellers.
Built by people from both sides of the table
Ola's founding team combines institutional RTL credit and capital markets experience with venture-built operating experience — people who have originated, structured, and sold this asset class, building the infrastructure they wished existed.
Designed for depositories from day one
Community banks and credit unions have different requirements than credit funds: examiner scrutiny, documentation standards, smaller ticket sizes. The platform is built to those requirements, not retrofitted to them.
Early access
Be on the platform before your competitors are.
We're onboarding a limited group of founding originators and depository buyers. Tell us which side of the trade you're on and we'll set up a working session with the team.