A company that originates mortgage loans and holds a portfolio of their loans instead of trading them off in the secondary market. A collection lender makes money off the fees for creating the mortgages and also pursues to make incomes off the spread (difference) between interest-earning assets and the interest paid on deposits in their mortgage portfolio.
Many mortgage lenders avoid the dangers of holding mortgages, only earning from beginning fees and then quickly vending off the mortgages to other financial organizations. There are pros and cons to both methods. Corporations who profit from mortgage origination experience less risk and likely a more stable profit stream, while portfolio moneylenders have a gamble to experience more upside on their portfolio but also more risk.