The Vault Is Open. Fund the Future.
Every ADU project needs financing — and homeowners have no idea where to find ADU-friendly lenders. Each territory carries four lending seats: a three-lender shortlist and one Master Lender above it with the direct application link. Take a seat, or the vault closes without you.
Why Lenders Are Joining the Bank Vault
ADU construction financing is a multi-billion dollar market being ignored by most lenders. Homeowners are searching for ADU-friendly loan programs — and finding nothing. Until now.
Borrowers Ready to Build
Every homeowner on the platform is actively planning or building an ADU. They've already run feasibility, checked zoning, and reviewed designs. They need financing — and they need it from someone who understands ADU projects.
High-Value Loan Pipeline
ADU projects typically range from $100K to $300K+. These aren't personal loans — they're real construction and renovation financing deals with substantial origination revenue per borrower.
Zero Competition Noise
The Bank Vault isn't LendingTree. There's no race to the bottom on rate. You're listed as an ADU financing specialist — a trusted partner, not one of 47 competing lenders in a results feed.
Program Showcase Pages
Each of your loan programs gets its own detailed listing with eligibility criteria, rate ranges, and direct application links. Homeowners can self-qualify before they ever contact you.
Direct Borrower Contact
No middlemen routing your leads. Homeowners contact you directly through the platform. Real phone numbers, real emails, real conversations with qualified borrowers.
Territory-Level Targeting
Your seat is scoped to one of 40 New England territories — roughly 100,000 ADU-potential parcels drawn on real municipal boundaries. Your visibility matches your lending footprint, no wasted impressions.
Without the Bank Vault vs. With It
The Programs Homeowners Are Searching For
Homeowners browse The Bank Vault to find programs that match their situation. When your institution's programs are listed, you become the answer to their search.
Four Lender Seats. Per Territory.
We coach every homeowner to compare financing before they build. So each territory carries a three-lender shortlist, plus one Master Lender above it. Four seats, roughly 100,000 ADU-potential parcels behind them, and that is the whole inventory for your territory.
- 1 of only 4 lending seats in your territory
- On the three-lender shortlist homeowners compare
- Covers your branch or team, not one loan officer
- Lender profile with your ADU programs listed
- Direct borrower contact, no per-lead charges
- Objection Crusher, Pre-Qual Worksheet & Financing Encyclopedia
- Month to month, cancel anytime
- Everything in the Lender Seat, and it is one of the shortlist three
- Premium placement throughout the Ecosystem: homepage, Bank Vault landing, and partner banner rotation
- Top position on the three-lender shortlist
- Founding Pro badge on every listing
- Priority pre-qualification form routing after the Master Lender
- Founding rate held for as long as you hold the seat
- One Master Lender per territory
- Your direct application link on territory pages, listings, and financing referrals — reserved for institutions with an active second-mortgage program
- Entire institution covered — every loan officer, every branch
- First call on Easy Solution financing in your territory
- Sits above the shortlist as the territory's named lender
- Premium placement everywhere the Founding Pro appears, plus territory-page ownership
- Quarterly strategy call with the ADU Exchange team
NMLS and second-mortgage program verified before activation. One business day.
The ADU Exchange sells placement and visibility, not outcomes. Holding a seat does not guarantee a specific number of borrower inquiries, applications, or funded loans. Parcel counts are estimates of properties that could host an ADU under current law — market size, not customers. Seat availability is confirmed at checkout or application and is scoped to one territory. All seats are month to month. The ADU Exchange is not a lender and does not originate, broker, or service loans.
The Live Territory Map
40 territories across 6 New England states, roughly 100,000 ADU-potential parcels in each. Click any zone for real municipal boundaries, Census market data, ADU economics, and the four lending seats. One Master Lender per territory — when Seat 01 is claimed, the direct application link is that institution's until they release it.
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The Master Lender Seat
Each territory has four lending seats, and Seat 01 is the only exclusive one. Your entire institution is covered — every loan officer, every branch — and your direct application link sits on the territory itself. The link is reserved for institutions with an active second-mortgage program, because that is the product we route ADU homeowners toward. $499 a month, flat, in every territory.
Your Direct Link, On the Territory
Homeowners in your zone who click through on financing land on your second-mortgage application — your page, your brand, your pipeline. This perk requires an active second-mortgage or home-equity program suited to ADU construction; we verify it before activation.
Entire Institution Covered
Every loan officer gets a profile. Every branch is represented. One seat, no per-officer charges.
Above the Shortlist
Seats 02–04 are the three-lender shortlist. The Master Lender sits above it as the territory's named lender and takes first call on Easy Solution financing.
Flat $499 — Same in Every Territory
No territory tiers, no zone surcharges, no referral fees, no per-loan cuts. Boston costs what the Berkshires cost, because the exclusivity is identical.
Co-Branded Marketing
Homeowner-facing materials with your logo and The ADU Exchange, for direct mail, digital, and events.
Quarterly Strategy Sessions
Review pipeline with our team, tune your program listings, and align on where the market is moving.
Apply for Seat 01 or Seat 02
The Master Lender carries your territory's direct application link and the Founding Pro carries our brand across the Ecosystem, so we verify licensing, program details, and territory availability before either seat goes live. Two minutes now, answer within one business day.
These aren't cold mortgage leads. They're homeowners deep in the build process, actively comparing loan products, rates, and terms. They've committed to the project. They just haven't committed to a lender. The Bank Vault puts your programs where that decision gets made.