US MortgageTreasury Strategy
We originate, hold, and steward US residential mortgage assets directly — building durable dollar-yield income through AI-driven underwriting on a 45-year origination engine.
Live Treasury Metrics
A US mortgage treasury that holds debt directly — without securitization or MBS layering. The portfolio is built loan-by-loan, with rigorous AI-driven underwriting on every asset.
A US Mortgage Debt Treasury
A treasury operation, not a mortgage bank. We don't sell off the loans we originate — we hold them on our own balance sheet and steward them through their full lifecycle. Three pillars: AI-driven origination via Sun West Mortgage and AngelAi, custodial trust management at WSFS Bank, and a long-duration yield discipline.
Direct Asset Creation
Every loan in the treasury is originated through Sun West Mortgage on AngelAi's AI underwriting and execution engine — to specifications we set, on terms we approve.
Segregated Custody
Assets are held in a segregated custody account at WSFS Bank — a 200-year-old US trust institution. The operator cannot move assets unilaterally; structural integrity is built in.
Yield Discipline
Loan servicing and interest collection run through Sun West Mortgage. We hold positions to generate steady, long-duration dollar yield — not to flip them via securitization.
Three Pillars Behind the Treasury
The core of the treasury is the combination of 45 years of accumulated origination data, the AI underwriting engine built on top of it, and a Delaware trust framework that holds and steward the assets institutionally. Three pillars working in concert.
AngelAi
Built by Celligence on 45 years of Sun West Mortgage transaction data, AngelAi is a mortgage-specialized AI underwriting and loan execution engine. Backed by 110+ international patents, its proprietary algorithms accurately price borrower demand that traditional underwriting overlooks.
VISIT WEBSITE ↗- PATENTS
- 0+
- DEFAULT RATE
- < 0%
- UNDERWRITING COST
- ~$0
- PROCESSING
- Minutes
Sun West Mortgage
Founded in 1980, Sun West Mortgage originates residential loans across 29 US states. Cleared more than 80 federal audits over its history; the 45-year underwriting database is the training foundation for AngelAi. Sun West is the originator for every mortgage asset in the treasury.
VISIT WEBSITE ↗- ESTABLISHED
- 0
- LOANS PROCESSED
- 0K+
- TOTAL VOLUME
- $0B+
- FEDERAL AUDITS
- 0+
Sun West Investment Trust
A Delaware-statutory trust framework that holds the mortgage assets institutionally. Sun West Investment Trust provides the legal structure, custodial discipline, and program-level governance that distinguishes a treasury operation from a portfolio of loose receivables — and anchors the long-duration yield discipline of the operation.
VISIT WEBSITE ↗- JURISDICTION
- Delaware
- ROLE
- Steward
AngelAi, Sun West Mortgage, and Sun West Investment Trust are not three vendors — they are the three layers of a single operation. 45 years of live transaction experience × 110+ international patents continuously create high-quality balance-sheet-grade mortgage assets, while the Delaware trust framework holds them institutionally for the long duration the yield demands.
The Operator
Mortgage Treasury LLC US is led by a Hawaii-based operator with deep public-sector and capital markets experience.
John D. Waiheʻe III
The 4th Governor of the State of Hawaii (1986–1994), Governor Waiheʻe was the first Native Hawaiian to hold the office and the first US governor of Native ancestry. He now serves as Chief Executive Officer of Mortgage Treasury LLC, leading the operation from Honolulu.
Company Overview
- Legal Name
- MORTGAGE TREASURY LLC
- Entity Type
- Hawaii Limited Liability Company
- Headquarters
- 345 Queen Street, Suite 909, Honolulu, HI 96813, USA
- Founded
- September 24, 2025
- Chief Executive Officer
- John D. Waiheʻe III
For inquiries about the operation, partnerships, or media requests, please reach out via the address below.
info@mortgage-treasury.com