Nova propel final demo
31
Please Stand by for Meeting….
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Transcript of Nova propel final demo
Please Stand by for Meeting….
8/1/2013 - 9/1/2013 Propel 2.0
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 984 9977 Leads Primary 883 8543
Dollars $186,902,714 $1,890,000,000 Prospects Second 28 429
Penthouse Agents Investment 73 1005
Product Mix
MTD YTD MTD YTD MTD YTD
Purchase 774 6018 Conv 506 5738 VA 131 1058
Avg Loan $190,178 $184,259 Avg Loan $195,673 $199,207 Avg Loan $214,900 $215,329
FICO 721 724 FICO 753 758 FICO 716 718
Avg LTV 89 89 Avg LTV 80 79 Avg LTV 96 96
MTD YTD MTD YTD MTD YTD
Refinance 210 3958 FHA 305 2861 USDA 32 273
Avg Loan $189,073 $197,292 Avg Loan $169,828 $164,015 Avg Loan $134,424 $133,530
FICO 741 748 FICO 687 696 FICO 696 691
Avg LTV 81 81 Avg LTV 94 94 Avg LTV 99 99
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 46 445 Rents 500 3778 Married 575 6144
Avg Loan $198,756 $191,752 Owns 424 5747 Unmarried 407 3815
FICO 726 730 RefSrc Realtor 0 9 Separated 2 18
Avg LTV 111 118 Repeat Client 27 587
Expenses Loan TypeMTD per/unit YTD per/unit
Marketing Fixed 966 9832
Credit ARM 18 142
Price Concess $279,310 $283.85 $2,888,672 $289.53
File Velocity MTD % of YTD YTD % to total
File started-Quantity 2857 10.5% 27182
File started to push to process purchase 49 54
File started to push to process refinance 28 24
App data to processing 9 10
App data to underwriting 25 28
Processing to Funded (avg days) 33 36
Application denied - credit 447 4141
Application withdrawn 260 2655
Credit ran no app data complete-Quantity 1112 11.6% 9615
App data to underwriting declined 27 43
Docs drawn not funded 5 28
Funded not purchased-Quantity 190 100.0% 190
Notes-
8/1/2014 - 9/1/2014 Propel 2.0
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 988 7056 Leads Primary 887 6289
Dollars $193,620,378 $1,345,100,000 Prospects Second 35 269
Penthouse Agents Investment 66 498
Product Mix
MTD YTD MTD YTD MTD YTD
Purchase 810 5879 Conv 518 3660 VA 127 850
Avg Loan $191,804 $189,011 Avg Loan $207,366 $200,256 Avg Loan $223,458 $221,002
FICO 715 718 FICO 750 749 FICO 709 715
Avg LTV 89 89 Avg LTV 79 79 Avg LTV 96 98
MTD YTD MTD YTD MTD YTD
Refinance 178 1175 FHA 301 2193 USDA 32 266
Avg Loan $214,938 $198,841 Avg Loan $163,218 $162,176 Avg Loan $143,734 $139,292
FICO 738 734 FICO 674 679 FICO 679 685
Avg LTV 76 76 Avg LTV 95 95 Avg LTV 101 100
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 20 194 Rents 506 3839 Married 605 4226
Avg Loan $105,914 $145,984 Owns 412 2899 Unmarried 383 2819
FICO 692 757 RefSrc Realtor Separated 0 11
Avg LTV 88 92 Repeat Client 35 227
Expenses Loan TypeMTD per/unit YTD per/unit
Marketing 221,312.26$ $224 1,276,819.99$ $181 Fixed 961 6830
Credit $10,591 $11 $83,142 $12 ARM 27 226
Price Concess $144,613 $146.37 $1,381,705 $195.82
File Velocity MTD % of YTD YTD % to total
File started-Quantity 2832 11.4% 24870
File started to push to process purchase 11 32
File started to push to process refinance 9 18
App data to processing 5 7
App data to underwriting 16 23
Processing to Funded (avg days) 22 32
Application denied - credit 130 2608
Application withdrawn 54 1483
Credit ran no app data complete-Quantity 1186 12.2% 9754
App data to underwriting declined 10 32
Docs drawn not funded 27 57
Funded not purchased-Quantity 190 100.0% 190
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Group 8141
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 26 271 Leads Primary 21 241
Dollars $4,851,458 $47,200,000 Prospects Second 0 5
Penthouse Agents Investment 5 25
Product MixMTD YTD MTD YTD MTD YTD
Purchase 21 123 Conv 17 154 VA 1 19
Avg Loan $186,438 $156,892 Avg Loan $180,518 $171,240 Avg Loan $225,000 $199,939
FICO 734 719 FICO 752 754 FICO 782 715
Avg LTV 84 87 Avg LTV 77 83 Avg LTV 75 96MTD YTD MTD YTD MTD YTD
Refinance 5 148 FHA 6 82 USDA 0 5
Avg Loan $187,250 $188,439 Avg Loan $195,810 $162,627 Avg Loan $0 $147,360
FICO 722 739 FICO 677 693 FICO 0 681
Avg LTV 78 89 Avg LTV 93 95 Avg LTV 0 99
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 3 36 Rents 9 73 Married 14 162
Avg Loan $337,733 $237,124 Owns 15 184 Unmarried 12 109
FICO 692 708 RefSrc Realtor Separated 0 0
Avg LTV 93 115 Repeat Client 1 27
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 22 259
Credit ARM 4 12
Price Concess $6,031 $231.95 $60,566 $223
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 51 9.4% 543
File started to push to process purchase 63 48
File started to push to process refinance 14 21
App data to processing 7 6
App data to underwriting 26 27
Processing to Funded (avg days) 35 40
Application denied - credit 18 119
Application withdrawn 7 44
Credit ran no app data complete-Quantity 22 9.2% 239
App data to underwriting declined 40 40
Docs drawn not funded 0 1
Funded not purchased-Quantity 7 100.0% 7
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Group 8141
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 31 164 Leads Primary 27 152
Dollars $4,868,056 $28,500,000 Prospects Second 1 3
Penthouse Agents Investment 3 9
Product MixMTD YTD MTD YTD MTD YTD
Purchase 26 131 Conv 11 66 VA 1 14
Avg Loan $158,904 $164,728 Avg Loan $165,768 $187,466 Avg Loan $104,500 $180,730
FICO 701 707 FICO 730 743 FICO 698 733
Avg LTV 84 89 Avg LTV 70 79 Avg LTV 82 95MTD YTD MTD YTD MTD YTD
Refinance 5 33 FHA 16 63 USDA 0 4
Avg Loan $147,313 $210,804 Avg Loan $132,069 $133,672 Avg Loan $0 $131,225
FICO 711 728 FICO 682 668 FICO 0 681
Avg LTV 86 88 Avg LTV 95 95 Avg LTV 0 97
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 3 10 Rents 20 92 Married 18 82
Avg Loan $76,942 $146,543 Owns 9 61 Unmarried 13 82
FICO 658 685 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 65 88 Repeat Client 1 3
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $1,313 $42 $13,330 $81 Fixed 26 148
Credit $140 $5 $1,589 $10 ARM 5 16
Price Concess $354 $11.40 $2,023 $12
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 58 11.9% 486
File started to push to process purchase 8 25
File started to push to process refinance 5 13
App data to processing 3 6
App data to underwriting 15 23
Processing to Funded (avg days) 23 33
Application denied - credit 5 61
Application withdrawn 3 29
Credit ran no app data complete-Quantity 24 10.0% 239
App data to underwriting declined 0 21
Docs drawn not funded 0 1
Funded not purchased-Quantity 7 100.0% 7
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Jesus Hernandez
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 1 27 Leads Primary 1 24
Dollars $96,500 $3,900,000 Prospects Second 0 0
Penthouse Agents Investment 0 3
Product MixMTD YTD MTD YTD MTD YTD
Purchase 1 14 Conv 0 9 VA 0 2
Avg Loan $96,500 $128,751 Avg Loan $0 $163,643 Avg Loan $0 $193,000
FICO 715 684 FICO 0 753 FICO 0 685
Avg LTV 97 95 Avg LTV 0 122 Avg LTV 0 91MTD YTD MTD YTD MTD YTD
Refinance 0 13 FHA 1 11 USDA 0 5
Avg Loan $0 $162,674 Avg Loan $96,500 $120,154 Avg Loan $0 $147,360
FICO 0 718 FICO 715 668 FICO 0 681
Avg LTV 0 116 Avg LTV 97 96 Avg LTV 0 99
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 4 Rents 0 12 Married 0 16
Avg Loan $0 $245,461 Owns 1 15 Unmarried 1 11
FICO 0 721 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 169 Repeat Client 0 1
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 1 27
Credit ARM 0 0
Price Concess $245 $245.47 $8,983 $332.72
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 9 11.7% 77
File started to push to process purchase 16 46
File started to push to process refinance 40 20
App data to processing 11 10
App data to underwriting 29 32
Processing to Funded (avg days) 32 40
Application denied - credit 4 18
Application withdrawn 1 6
Credit ran no app data complete -Quantity 0 0.0% 26
App data to underwriting declined 40 40
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Jesus Hernandez
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 4 21 Leads Primary 3 18
Dollars $485,465 $2,600,000 Prospects Second 0 0
Penthouse Agents Investment 1 3
Product MixMTD YTD MTD YTD MTD YTD
Purchase 2 18 Conv 1 4 VA 0 2
Avg Loan $127,380 $125,748 Avg Loan $93,750 $101,413 Avg Loan $0 $145,300
FICO 773 717 FICO 704 703 FICO 0 848
Avg LTV 97 94 Avg LTV 75 82 Avg LTV 0 90MTD YTD MTD YTD MTD YTD
Refinance 2 3 FHA 3 13 USDA 0 2
Avg Loan $115,353 $106,227 Avg Loan $130,572 $123,761 Avg Loan $0 $138,500
FICO 701 676 FICO 748 694 FICO 0 704
Avg LTV 86 90 Avg LTV 96 96 Avg LTV 0 101
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 2 13 Married 2 11
Avg Loan $0 $0 Owns 2 8 Unmarried 2 10
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $328 $82 $1,990 $95 Fixed 4 21
Credit $0 $0 $315 $15 ARM 0 0
Price Concess $0 $0.00 $0 $0.00
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 6 7.0% 86
File started to push to process purchase 6 28
File started to push to process refinance 0 18
App data to processing 4 7
App data to underwriting 13 20
Processing to Funded (avg days) 24 30
Application denied - credit 0 9
Application withdrawn 0 3
Credit ran no app data complete -Quantity 1 3.7% 27
App data to underwriting declined 0 21
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer John Flores
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 5 25 Leads Primary 5 23
Dollars $1,473,285 $5,400,000 Prospects Second 0 0
Penthouse Agents Investment 0 2
Product MixMTD YTD MTD YTD MTD YTD
Purchase 4 14 Conv 4 16 VA 0 3
Avg Loan $337,571 $205,860 Avg Loan $298,600 $201,803 Avg Loan $0 $312,831
FICO 689 706 FICO 679 717 FICO 0 760
Avg LTV 80 82 Avg LTV 72 71 Avg LTV 0 95MTD YTD MTD YTD MTD YTD
Refinance 1 11 FHA 1 6 USDA 0 0
Avg Loan $123,000 $227,268 Avg Loan $278,885 $202,441 Avg Loan $0 $0
FICO 631 719 FICO 674 674 FICO 0 0
Avg LTV 62 77 Avg LTV 97 96 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 1 2 Rents 3 10 Married 2 15
Avg Loan $630,400 $427,212 Owns 1 13 Unmarried 3 10
FICO 688 719 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 80 99 Repeat Client 1 1
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 2 18
Credit ARM 3 7
Price Concess $3,066 $613.18 $9,832 $393.27
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 6 11.5% 52
File started to push to process purchase 90 82
File started to push to process refinance 0 24
App data to processing 3 5
App data to underwriting 10 19
Processing to Funded (avg days) 32 33
Application denied - credit 2 11
Application withdrawn 0 6
Credit ran no app data complete -Quantity 3 20.0% 15
App data to underwriting declined 0 0
Docs drawn not funded 0 1
Funded not purchased 5 100.0% 5
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer John Flores
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 12 42 Leads Primary 11 39
Dollars $1,998,412 $7,600,000 Prospects Second 0 1
Penthouse Agents Investment 1 2
Product MixMTD YTD MTD YTD MTD YTD
Purchase 12 38 Conv 6 18 VA 0 3
Avg Loan $166,534 $184,457 Avg Loan $187,217 $214,300 Avg Loan $0 $177,072
FICO 702 699 FICO 720 726 FICO 0 731
Avg LTV 75 86 Avg LTV 63 75 Avg LTV 0 95MTD YTD MTD YTD MTD YTD
Refinance 0 4 FHA 5 20 USDA 0 0
Avg Loan $0 $157,679 Avg Loan $151,022 $156,574 Avg Loan $0 $0
FICO 0 700 FICO 677 669 FICO 0 0
Avg LTV 0 85 Avg LTV 97 96 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 2 3 Rents 9 27 Married 7 20
Avg Loan $67,163 $82,775 Owns 3 13 Unmarried 5 22
FICO 633 661 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 50 65 Repeat Client 0 2
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $98 $8 $1,498 $36 Fixed 9 38
Credit $105 $9 $500 $12 ARM 3 4
Price Concess $1,059 $88.24 $8,748 $208.30
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 9 12.2% 74
File started to push to process purchase 9 34
File started to push to process refinance 7 13
App data to processing 4 3
App data to underwriting 15 19
Processing to Funded (avg days) 20 31
Application denied - credit 2 12
Application withdrawn 1 10
Credit ran no app data complete -Quantity 4 15.4% 26
App data to underwriting declined 0 21
Docs drawn not funded 0 0
Funded not purchased 5 100.0% 5
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Bob Buch
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 5 27 Leads Primary 1 21
Dollars $913,788 $5,700,000 Prospects Second 0 1
Penthouse Agents Investment 4 5
Product MixMTD YTD MTD YTD MTD YTD
Purchase 4 8 Conv 4 21 VA 0 0
Avg Loan $173,447 $171,521 Avg Loan $194,938 $215,752 Avg Loan $0 $0
FICO 741 728 FICO 780 783 FICO 0 0
Avg LTV 82 85 Avg LTV 76 70 Avg LTV 0 0MTD YTD MTD YTD MTD YTD
Refinance 1 19 FHA 1 6 USDA 0 0
Avg Loan $220,000 $228,393 Avg Loan $134,038 $196,807 Avg Loan $0 $0
FICO 797 779 FICO 642 697 FICO 0 0
Avg LTV 73 72 Avg LTV 97 94 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 1 3 Married 5 18
Avg Loan $0 $0 Owns 4 24 Unmarried 0 9
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 5 27
Credit ARM 0 0
Price Concess $0 $0.00 $3,312 $122.68
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 7 11.5% 61
File started to push to process purchase 42 48
File started to push to process refinance 0 83
App data to processing 4 4
App data to underwriting 33 22
Processing to Funded (avg days) 35 40
Application denied - credit 3 9
Application withdrawn 2 5
Credit ran no app data complete -Quantity 2 5.9% 34
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 0 0.0% 0
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Bob Buch
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 3 13 Leads Primary 1 11
Dollars $517,708 $2,900,000 Prospects Second 1 1
Penthouse Agents Investment 1 1
Product MixMTD YTD MTD YTD MTD YTD
Purchase 2 10 Conv 2 10 VA 0 0
Avg Loan $187,825 $235,277 Avg Loan $187,825 $245,622 Avg Loan $0 $0
FICO 738 735 FICO 738 761 FICO 0 0
Avg LTV 73 81 Avg LTV 73 72 Avg LTV 0 0MTD YTD MTD YTD MTD YTD
Refinance 1 3 FHA 1 3 USDA 0 0
Avg Loan $142,058 $187,353 Avg Loan $142,058 $152,869 Avg Loan $0 $0
FICO 680 740 FICO 680 653 FICO 0 0
Avg LTV 78 58 Avg LTV 78 88 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 0 3 Married 3 9
Avg Loan $0 $0 Owns 2 7 Unmarried 0 4
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $369 $123 $3,100 $238.48 Fixed 3 12
Credit $35 $11.67 $320 $25 ARM 0 1
Price Concess $0 $0.00 $196 $15.05
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 5 8.6% 58
File started to push to process purchase 1 40
File started to push to process refinance 0 37
App data to processing 3 7
App data to underwriting 18 25
Processing to Funded (avg days) 0 36
Application denied - credit 1 4
Application withdrawn 1 2
Credit ran no app data complete -Quantity 4 10.3% 39
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 0 0.0% 0
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Timothy Granville
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 2 20 Leads Primary 2 20
Dollars $382,800 $5,100,000 Prospects Second 0 0
Penthouse Agents Investment 0 0
Product MixMTD YTD MTD YTD MTD YTD
Purchase 1 5 Conv 0 1 VA 0 0
Avg Loan $205,800 $242,922 Avg Loan $0 $215,500 Avg Loan $0 $0
FICO 624 712 FICO 0 680 FICO 0 0
Avg LTV 100 93 Avg LTV 0 100 Avg LTV 0 0MTD YTD MTD YTD MTD YTD
Refinance 1 15 FHA 0 8 USDA 0 0
Avg Loan $177,000 $259,900 Avg Loan $0 $244,111 Avg Loan $0 $0
FICO 765 697 FICO 0 689 FICO 0 0
Avg LTV 100 101 Avg LTV 0 103 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 2 19 Rents 0 1 Married 0 7
Avg Loan $191,400 $265,607 Owns 2 15 Unmarried 2 13
FICO 695 701 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 100 99 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 1 16
Credit ARM 1 4
Price Concess $0 $0.00 $169 $8.47
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 4 19.0% 21
File started to push to process purchase 22 11
File started to push to process refinance 5 6
App data to processing 0 0
App data to underwriting 17 29
Processing to Funded (avg days) 65 56
Application denied - credit 0 0
Application withdrawn 1 1
Credit ran no app data complete -Quantity 0 0.0% 0
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 0 0.0% 0
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Timothy Granville
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 2 16 Leads Primary 2 16
Dollars $707,000 $4,600,000 Prospects Second 0 0
Penthouse Agents Investment 0 0
Product MixMTD YTD MTD YTD MTD YTD
Purchase 1 3 Conv 0 0 VA 0 0
Avg Loan $440,000 $351,250 Avg Loan $0 $0 Avg Loan $0 $0
FICO 721 761 FICO 0 0 FICO 0 0
Avg LTV 100 100 Avg LTV 0 0 Avg LTV 0 0MTD YTD MTD YTD MTD YTD
Refinance 1 13 FHA 0 0 USDA 0 0
Avg Loan $267,000 $270,231 Avg Loan $0 $0 Avg Loan $0 $0
FICO 712 736 FICO 0 0 FICO 0 0
Avg LTV 100 100 Avg LTV 0 0 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 2 Rents 0 0 Married 1 8
Avg Loan $0 $280,000 Owns 2 14 Unmarried 1 8
FICO 0 803 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 100 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $0 $0 $6 $0.35 Fixed 0 6
Credit $0 $0.00 $14 $1 ARM 2 10
Price Concess $354 $176.75 $7,333 $458.30
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 4 25.0% 16
File started to push to process purchase 0 3
File started to push to process refinance 4 5
App data to processing 0 1
App data to underwriting 14 16
Processing to Funded (avg days) 0 42
Application denied - credit 0 2
Application withdrawn 0 1
Credit ran no app data complete -Quantity 0 0.0% 0
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 0 0.0% 0
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Matt Liddicoat
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 7 82 Leads Primary 7 73
Dollars $1,117,750 $12,600,000 Prospects Second 0 1
Penthouse Agents Investment 0 8
Product MixMTD YTD MTD YTD MTD YTD
Purchase 5 31 Conv 5 47 VA 1 5
Avg Loan $140,300 $151,680 Avg Loan $115,300 $150,656 Avg Loan $225,000 $155,433
FICO 788 731 FICO 769 754 FICO 782 708
Avg LTV 77 84 Avg LTV 78 77 Avg LTV 75 93MTD YTD MTD YTD MTD YTD
Refinance 2 51 FHA 1 30 USDA 0 0
Avg Loan $208,125 $155,606 Avg Loan $316,250 $159,333 Avg Loan $0 $0
FICO 708 741 FICO 727 715 FICO 0 0
Avg LTV 77 83 Avg LTV 74 92 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 2 18 Married 4 53
Avg Loan $0 $0 Owns 5 62 Unmarried 3 29
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 13
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 7 82
Credit ARM 0 0
Price Concess $1,616 $230.82 $14,014 $170.91
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 5 4.2% 118
File started to push to process purchase 109 32
File started to push to process refinance 17 15
App data to processing 10 7
App data to underwriting 47 34
Processing to Funded (avg days) 40 44
Application denied - credit 6 47
Application withdrawn 2 9
Credit ran no app data complete -Quantity 12 11.0% 109
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 0 0.0% 0
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Matt Liddicoat
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 4 22 Leads Primary 4 21
Dollars $526,621 $3,400,000 Prospects Second 0 0
Penthouse Agents Investment 0 1
Product MixMTD YTD MTD YTD MTD YTD
Purchase 4 18 Conv 0 15 VA 0 0
Avg Loan $131,655 $126,922 Avg Loan $0 $167,887 Avg Loan $0 $0
FICO 640 704 FICO 0 745 FICO 0 0
Avg LTV 97 87 Avg LTV 0 82 Avg LTV 0 0MTD YTD MTD YTD MTD YTD
Refinance 0 4 FHA 4 7 USDA 0 0
Avg Loan $0 $275,487 Avg Loan $131,655 $124,033 Avg Loan $0 $0
FICO 0 762 FICO 640 649 FICO 0 0
Avg LTV 0 85 Avg LTV 97 97 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 3 13 Married 2 10
Avg Loan $0 $0 Owns 0 7 Unmarried 2 12
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $97 $24 $3,364 $152.89 Fixed 4 22
Credit $0 $0.00 $105 $5 ARM 0 0
Price Concess $500 $125.00 $1,960 $89.11
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 9 9.7% 93
File started to push to process purchase 5 14
File started to push to process refinance 4 12
App data to processing 6 8
App data to underwriting 0 32
Processing to Funded (avg days) 0 41
Application denied - credit 1 14
Application withdrawn 0 2
Credit ran no app data complete -Quantity 7 7.5% 93
App data to underwriting declined 0 0
Docs drawn not funded 0 1
Funded not purchased 0 0.0% 0
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Eric Painter
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 6 90 Leads Primary 5 80
Dollars $867,335 $14,400,000 Prospects Second 0 3
Penthouse Agents Investment 1 7
Product MixMTD YTD MTD YTD MTD YTD
Purchase 6 51 Conv 4 60 VA 0 9
Avg Loan $144,556 $143,614 Avg Loan $129,538 $164,037 Avg Loan $0 $188,577
FICO 736 725 FICO 778 755 FICO 0 711
Avg LTV 87 89 Avg LTV 82 89 Avg LTV 0 99MTD YTD MTD YTD MTD YTD
Refinance 0 39 FHA 2 21 USDA 0 0
Avg Loan $0 $182,062 Avg Loan $174,593 $137,398 Avg Loan $0 $0
FICO 0 744 FICO 651 682 FICO 0 0
Avg LTV 0 95 Avg LTV 97 95 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 11 Rents 3 29 Married 3 53
Avg Loan $0 $150,333 Owns 2 55 Unmarried 3 37
FICO 0 714 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 126 Repeat Client 0 12
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 6 89
Credit ARM 0 1
Price Concess $1,103 $183.91 $24,255 $269.50
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 20 9.3% 214
File started to push to process purchase 59 53
File started to push to process refinance 12 15
App data to processing 8 6
App data to underwriting 20 22
Processing to Funded (avg days) 24 34
Application denied - credit 3 34
Application withdrawn 1 17
Credit ran no app data complete -Quantity 5 9.1% 55
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Eric Painter
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 6 50 Leads Primary 6 47
Dollars $632,850 $7,400,000 Prospects Second 0 1
Penthouse Agents Investment 0 2
Product MixMTD YTD MTD YTD MTD YTD
Purchase 5 44 Conv 2 19 VA 1 9
Avg Loan $107,210 $150,350 Avg Loan $115,375 $165,008 Avg Loan $104,500 $189,822
FICO 701 701 FICO 766 755 FICO 698 707
Avg LTV 91 91 Avg LTV 88 83 Avg LTV 82 97MTD YTD MTD YTD MTD YTD
Refinance 1 6 FHA 3 20 USDA 0 2
Avg Loan $96,800 $138,357 Avg Loan $99,200 $117,705 Avg Loan $0 $123,950
FICO 764 727 FICO 680 660 FICO 0 658
Avg LTV 80 80 Avg LTV 92 93 Avg LTV 0 94
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 1 5 Rents 6 36 Married 3 24
Avg Loan $96,500 $131,421 Owns 0 12 Unmarried 3 26
FICO 709 653 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 97 96 Repeat Client 1 1
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $421 $70 $3,373 $67.45 Fixed 6 49
Credit $0 $0.00 $335 $7 ARM 0 1
Price Concess $780 $130.00 $9,800 $196.00
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 25 15.9% 157
File started to push to process purchase 11 19
File started to push to process refinance 7 14
App data to processing 3 8
App data to underwriting 14 26
Processing to Funded (avg days) 22 30
Application denied - credit 1 20
Application withdrawn 1 11
Credit ran no app data complete -Quantity 8 14.8% 54
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Group 8142
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 44 498 Leads Primary 42 439
Dollars $8,205,649 $91,400,000 Prospects Second 2 21
Penthouse Agents Investment 0 38
Product MixMTD YTD MTD YTD MTD YTD
Purchase 34 325 Conv 22 254 VA 3 59
Avg Loan $192,367 $184,049 Avg Loan $185,221 $190,162 Avg Loan $219,167 $204,524
FICO 704 719 FICO 736 756 FICO 716 716
Avg LTV 91 90 Avg LTV 75 80 Avg LTV 97 97MTD YTD MTD YTD MTD YTD
Refinance 10 173 FHA 18 176 USDA 1 9
Avg Loan $166,517 $182,849 Avg Loan $186,988 $168,992 Avg Loan $107,500 $148,654
FICO 738 744 FICO 681 694 FICO 712 675
Avg LTV 70 82 Avg LTV 96 95 Avg LTV 100 101
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 1 12 Rents 24 213 Married 24 303
Avg Loan $57,000 $208,872 Owns 20 265 Unmarried 20 195
FICO 760 733 RefSrc Realtor Separated 0 0
Avg LTV 39 114 Repeat Client 2 30
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 43 491
Credit ARM 1 7
Price Concess $10,586 $240.58 $160,147 $322
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 186 14.0% 1332
File started to push to process purchase 58 60
File started to push to process refinance 24 28
App data to processing 20 13
App data to underwriting 35 32
Processing to Funded (avg days) 30 36
Application denied - credit 10 158
Application withdrawn 3 109
Credit ran no app data complete-Quantity 86 18.9% 454
App data to underwriting declined 21 54
Docs drawn not funded 0 2
Funded not purchased-Quantity 13 100.0% 13
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Group 8142
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 59 459 Leads Primary 53 397
Dollars $9,808,507 $77,300,000 Prospects Second 2 21
Penthouse Agents Investment 4 41
Product MixMTD YTD MTD YTD MTD YTD
Purchase 48 397 Conv 36 263 VA 9 64
Avg Loan $174,431 $171,498 Avg Loan $172,956 $168,568 Avg Loan $156,210 $205,261
FICO 712 719 FICO 740 749 FICO 702 707
Avg LTV 87 89 Avg LTV 76 79 Avg LTV 96 97MTD YTD MTD YTD MTD YTD
Refinance 11 61 FHA 13 126 USDA 1 5
Avg Loan $130,527 $149,058 Avg Loan $153,023 $147,488 Avg Loan $186,900 $160,429
FICO 737 743 FICO 666 674 FICO 692 685
Avg LTV 69 72 Avg LTV 95 96 Avg LTV 102 98
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 1 6 Rents 32 251 Married 35 277
Avg Loan $133,300 $143,033 Owns 24 192 Unmarried 24 180
FICO 738 727 RefSrc Realtor Separated 0 2
Avg LTV 95 79 Repeat Client 2 13
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $14,307 $243 $86,089 $188 Fixed 58 451
Credit $1,025 $17 $5,572 $12 ARM 1 8
Price Concess $7,011 $118.83 $97,356 $212
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 136 10.0% 1357
File started to push to process purchase 13 34
File started to push to process refinance 7 23
App data to processing 4 9
App data to underwriting 17 26
Processing to Funded (avg days) 21 31
Application denied - credit 1 103
Application withdrawn 0 53
Credit ran no app data complete-Quantity 61 12.4% 491
App data to underwriting declined 0 20
Docs drawn not funded 1 2
Funded not purchased-Quantity 13 100.0% 13
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Kimberly Harland
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units Leads Primary
Dollars $0 Prospects Second
Penthouse Agents Investment
Product MixMTD YTD MTD YTD MTD YTD
Purchase Conv VA
Avg Loan Avg Loan Avg Loan
FICO FICO FICO
Avg LTV Avg LTV Avg LTVMTD YTD MTD YTD MTD YTD
Refinance FHA USDA
Avg Loan Avg Loan Avg Loan
FICO FICO FICO
Avg LTV Avg LTV Avg LTV
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered Rents Married
Avg Loan Owns Unmarried
FICO RefSrc Realtor Separated
Avg LTV Repeat Client
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed
Credit ARM
Price Concess $0.00 $0.00
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 8 8.8% 91
File started to push to process purchase 0 318
File started to push to process refinance 0 0
App data to processing 0 0
App data to underwriting 0 0
Processing to Funded (avg days) 0 0
Application denied - credit 0 0
Application withdrawn 0 0
Credit ran no app data complete -Quantity 3 7.1% 42
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Kimberly Harland
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 12 64 Leads Primary 11 56
Dollars $2,079,044 $12,300,000 Prospects Second 1 7
Penthouse Agents Investment 0 1
Product MixMTD YTD MTD YTD MTD YTD
Purchase 12 61 Conv 6 32 VA 1 8
Avg Loan $173,254 $188,973 Avg Loan $223,946 $203,936 Avg Loan $128,000 $221,541
FICO 695 708 FICO 713 742 FICO 736 686
Avg LTV 84 88 Avg LTV 71 79 Avg LTV 100 98MTD YTD MTD YTD MTD YTD
Refinance 0 3 FHA 5 23 USDA 0 1
Avg Loan $0 $271,833 Avg Loan $121,474 $164,330 Avg Loan $0 $265,000
FICO 0 706 FICO 666 669 FICO 0 679
Avg LTV 0 70 Avg LTV 97 95 Avg LTV 0 102
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 9 44 Married 9 42
Avg Loan $0 $0 Owns 2 19 Unmarried 3 22
FICO 0 0 RefSrc Realtor 0 1 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $2,673 $223 $44,027 $687.92 Fixed 11 62
Credit $490 $40.83 $791 $12 ARM 1 2
Price Concess $0 $0.00 $7,698 $120.28
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 9 6.7% 135
File started to push to process purchase 7 32
File started to push to process refinance 0 11
App data to processing 1 4
App data to underwriting 15 19
Processing to Funded (avg days) 23 30
Application denied - credit 0 10
Application withdrawn 0 7
Credit ran no app data complete -Quantity 1 3.4% 29
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Todd Craig
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 13 145 Leads Primary 13 130
Dollars $2,179,352 $22,200,000 Prospects Second 0 4
Penthouse Agents Investment 0 11
Product MixMTD YTD MTD YTD MTD YTD
Purchase 9 98 Conv 5 53 VA 1 30
Avg Loan $151,009 $149,655 Avg Loan $178,152 $152,610 Avg Loan $182,500 $183,412
FICO 699 708 FICO 756 754 FICO 759 710
Avg LTV 97 94 Avg LTV 82 83 Avg LTV 100 98MTD YTD MTD YTD MTD YTD
Refinance 4 47 FHA 6 57 USDA 1 5
Avg Loan $205,067 $161,118 Avg Loan $166,432 $140,464 Avg Loan $107,500 $128,315
FICO 751 727 FICO 674 683 FICO 712 670
Avg LTV 78 85 Avg LTV 96 94 Avg LTV 100 101
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 8 63 Married 9 92
Avg Loan $0 $0 Owns 5 73 Unmarried 4 53
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 2 25
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 13 145
Credit ARM 0 0
Price Concess $811 $62.37 $42,663 $294.23
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 42 11.8% 355
File started to push to process purchase 88 64
File started to push to process refinance 97 33
App data to processing 33 18
App data to underwriting 52 41
Processing to Funded (avg days) 35 45
Application denied - credit 2 21
Application withdrawn 1 14
Credit ran no app data complete -Quantity 4 14.8% 27
App data to underwriting declined 0 0
Docs drawn not funded 0 1
Funded not purchased 1 100.0% 1
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Todd Craig
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 7 102 Leads Primary 6 93
Dollars $1,036,983 $14,700,000 Prospects Second 0 2
Penthouse Agents Investment 1 7
Product MixMTD YTD MTD YTD MTD YTD
Purchase 4 82 Conv 4 46 VA 1 18
Avg Loan $176,421 $146,037 Avg Loan $145,126 $139,477 Avg Loan $133,300 $207,855
FICO 699 704 FICO 711 749 FICO 738 708
Avg LTV 88 91 Avg LTV 68 81 Avg LTV 95 96MTD YTD MTD YTD MTD YTD
Refinance 3 19 FHA 2 37 USDA 0 1
Avg Loan $110,433 $134,670 Avg Loan $161,589 $119,140 Avg Loan $0 $115,000
FICO 704 739 FICO 664 665 FICO 0 642
Avg LTV 69 77 Avg LTV 97 95 Avg LTV 0 101
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 1 1 Rents 2 52 Married 4 57
Avg Loan $133,300 $133,300 Owns 4 43 Unmarried 3 45
FICO 738 738 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 95 95 Repeat Client 1 7
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $333 $48 $2,385 $23.38 Fixed 7 102
Credit $290 $41.43 $806 $8 ARM 0 0
Price Concess $599 $85.50 $15,233 $149.35
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 30 10.6% 284
File started to push to process purchase 17 30
File started to push to process refinance 7 21
App data to processing 5 7
App data to underwriting 17 24
Processing to Funded (avg days) 30 30
Application denied - credit 1 13
Application withdrawn 0 5
Credit ran no app data complete -Quantity 5 14.3% 35
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Jason Rose
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 13 114 Leads Primary 12 102
Dollars $2,528,539 $23,000,000 Prospects Second 1 5
Penthouse Agents Investment 0 7
Product MixMTD YTD MTD YTD MTD YTD
Purchase 11 63 Conv 10 72 VA 0 10
Avg Loan $198,494 $198,990 Avg Loan $203,928 $202,644 Avg Loan $0 $277,274
FICO 719 728 FICO 735 761 FICO 0 769
Avg LTV 82 87 Avg LTV 78 82 Avg LTV 0 95MTD YTD MTD YTD MTD YTD
Refinance 2 51 FHA 3 29 USDA 0 3
Avg Loan $172,550 $204,334 Avg Loan $163,085 $174,209 Avg Loan $0 $180,771
FICO 715 762 FICO 664 697 FICO 0 685
Avg LTV 85 87 Avg LTV 97 94 Avg LTV 0 101
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 7 Rents 6 39 Married 7 70
Avg Loan $0 $228,286 Owns 7 73 Unmarried 6 44
FICO 0 736 RefSrc Realtor 0 1 Separated 0 0
Avg LTV 0 125 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 12 113
Credit ARM 1 1
Price Concess $4,256 $327.36 $41,023 $359.85
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 28 12.1% 231
File started to push to process purchase 37 45
File started to push to process refinance 10 23
App data to processing 6 12
App data to underwriting 18 24
Processing to Funded (avg days) 31 29
Application denied - credit 2 26
Application withdrawn 0 16
Credit ran no app data complete -Quantity 9 10.2% 88
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 1 100.0% 1
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Jason Rose
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 12 72 Leads Primary 10 62
Dollars $2,318,110 $13,900,000 Prospects Second 0 4
Penthouse Agents Investment 2 6
Product MixMTD YTD MTD YTD MTD YTD
Purchase 11 65 Conv 7 48 VA 4 12
Avg Loan $201,737 $197,506 Avg Loan $198,867 $185,243 Avg Loan $194,460 $210,155
FICO 733 732 FICO 766 757 FICO 706 690
Avg LTV 89 87 Avg LTV 78 80 Avg LTV 99 98MTD YTD MTD YTD MTD YTD
Refinance 1 7 FHA 1 11 USDA 0 0
Avg Loan $99,000 $146,250 Avg Loan $148,200 $180,010 Avg Loan $0 $0
FICO 786 743 FICO 663 679 FICO 0 0
Avg LTV 62 73 Avg LTV 95 96 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 1 Rents 8 43 Married 7 53
Avg Loan $0 $468,000 Owns 4 29 Unmarried 5 19
FICO 0 693 RefSrc Realtor 0 1 Separated 0 0
Avg LTV 0 90 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $3,244 $270 $11,631 $161.54 Fixed 12 70
Credit $0 $0.00 $2,790 $39 ARM 0 2
Price Concess $5,579 $464.92 $21,603 $300.05
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 17 8.9% 192
File started to push to process purchase 12 30
File started to push to process refinance 0 17
App data to processing 6 8
App data to underwriting 19 28
Processing to Funded (avg days) 19 31
Application denied - credit 0 13
Application withdrawn 0 10
Credit ran no app data complete -Quantity 13 15.5% 84
App data to underwriting declined 0 0
Docs drawn not funded 0 1
Funded not purchased 0 0.0% 0
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Tom Maison
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 9 84 Leads Primary 8 69
Dollars $1,755,448 $16,200,000 Prospects Second 1 5
Penthouse Agents Investment 0 10
Product MixMTD YTD MTD YTD MTD YTD
Purchase 7 49 Conv 5 52 VA 0 4
Avg Loan $231,093 $198,121 Avg Loan $156,565 $190,268 Avg Loan $0 $209,000
FICO 678 726 FICO 716 751 FICO 0 681
Avg LTV 91 88 Avg LTV 70 79 Avg LTV 0 95MTD YTD MTD YTD MTD YTD
Refinance 2 35 FHA 4 28 USDA 0 0
Avg Loan $68,900 $186,315 Avg Loan $243,156 $196,392 Avg Loan $0 $0
FICO 728 738 FICO 656 701 FICO 0 0
Avg LTV 49 80 Avg LTV 97 95 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 1 4 Rents 4 31 Married 4 47
Avg Loan $57,000 $185,862 Owns 5 49 Unmarried 5 37
FICO 760 752 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 39 100 Repeat Client 0 2
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 9 83
Credit ARM 0 1
Price Concess $3,991 $443.42 $27,426 $326.50
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 24 9.8% 245
File started to push to process purchase 16 48
File started to push to process refinance 18 46
App data to processing 3 4
App data to underwriting 15 23
Processing to Funded (avg days) 28 35
Application denied - credit 2 32
Application withdrawn 1 28
Credit ran no app data complete -Quantity 14 12.3% 114
App data to underwriting declined 0 13
Docs drawn not funded 0 0
Funded not purchased 4 100.0% 4
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Tom Maison
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 5 65 Leads Primary 5 53
Dollars $978,300 $12,400,000 Prospects Second 0 3
Penthouse Agents Investment 0 9
Product MixMTD YTD MTD YTD MTD YTD
Purchase 3 48 Conv 4 48 VA 0 2
Avg Loan $199,333 $203,260 Avg Loan $180,263 $194,989 Avg Loan $0 $263,175
FICO 762 742 FICO 767 756 FICO 0 748
Avg LTV 76 86 Avg LTV 82 76 Avg LTV 0 98MTD YTD MTD YTD MTD YTD
Refinance 2 17 FHA 1 15 USDA 0 0
Avg Loan $190,150 $158,406 Avg Loan $257,250 $170,907 Avg Loan $0 $0
FICO 747 742 FICO 711 697 FICO 0 0
Avg LTV 91 68 Avg LTV 84 96 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 1 26 Married 3 34
Avg Loan $0 $0 Owns 4 37 Unmarried 2 31
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $2,842 $568 $8,076 $124.24 Fixed 5 64
Credit $175 $35.00 $975 $15 ARM 0 1
Price Concess $367 $73.39 $28,661 $440.94
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 31 12.1% 256
File started to push to process purchase 10 34
File started to push to process refinance 10 14
App data to processing 1 2
App data to underwriting 14 16
Processing to Funded (avg days) 23 29
Application denied - credit 0 11
Application withdrawn 0 10
Credit ran no app data complete -Quantity 19 12.8% 148
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 4 100.0% 4
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Rich Hillman
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 5 61 Leads Primary 5 52
Dollars $978,855 $11,800,000 Prospects Second 0 5
Penthouse Agents Investment 0 4
Product MixMTD YTD MTD YTD MTD YTD
Purchase 3 35 Conv 2 38 VA 2 7
Avg Loan $205,618 $208,798 Avg Loan $181,000 $202,064 Avg Loan $237,500 $210,865
FICO 732 739 FICO 748 763 FICO 695 707
Avg LTV 96 88 Avg LTV 60 73 Avg LTV 95 96MTD YTD MTD YTD MTD YTD
Refinance 2 26 FHA 1 16 USDA 0 0
Avg Loan $181,000 $171,401 Avg Loan $141,855 $163,118 Avg Loan $0 $0
FICO 748 752 FICO 807 717 FICO 0 0
Avg LTV 60 72 Avg LTV 97 95 Avg LTV 0 0
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 2 18 Married 2 39
Avg Loan $0 $0 Owns 3 39 Unmarried 3 22
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 0
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 5 58
Credit ARM 0 3
Price Concess $1,293 $258.56 $10,073 $165.14
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 17 15.7% 108
File started to push to process purchase 12 50
File started to push to process refinance 14 13
App data to processing 5 9
App data to underwriting 18 30
Processing to Funded (avg days) 26 38
Application denied - credit 3 29
Application withdrawn 1 11
Credit ran no app data complete -Quantity 6 18.8% 32
App data to underwriting declined 0 102
Docs drawn not funded 0 0
Funded not purchased 3 100.0% 3
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Rich Hillman
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 7 51 Leads Primary 6 42
Dollars $936,875 $8,400,000 Prospects Second 1 2
Penthouse Agents Investment 0 7
Product MixMTD YTD MTD YTD MTD YTD
Purchase 4 44 Conv 6 32 VA 0 9
Avg Loan $134,844 $170,707 Avg Loan $124,783 $157,055 Avg Loan $0 $201,321
FICO 720 726 FICO 760 755 FICO 0 710
Avg LTV 87 88 Avg LTV 74 78 Avg LTV 0 100MTD YTD MTD YTD MTD YTD
Refinance 3 7 FHA 1 9 USDA 0 1
Avg Loan $132,500 $125,879 Avg Loan $188,175 $160,263 Avg Loan $0 $112,244
FICO 790 776 FICO 689 673 FICO 0 755
Avg LTV 65 66 Avg LTV 97 95 Avg LTV 0 82
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 0 Rents 2 21 Married 5 36
Avg Loan $0 $0 Owns 5 29 Unmarried 2 15
FICO 0 0 RefSrc Realtor 0 0 Separated 0 0
Avg LTV 0 0 Repeat Client 0 1
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $1,156 $165 $8,847 $173.47 Fixed 7 50
Credit $0 $0.00 $0 $0 ARM 0 1
Price Concess $88 $12.57 $7,613 $149.27
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 17 12.4% 137
File started to push to process purchase 15 33
File started to push to process refinance 7 28
App data to processing 4 10
App data to underwriting 19 25
Processing to Funded (avg days) 10 30
Application denied - credit 0 24
Application withdrawn 0 4
Credit ran no app data complete -Quantity 9 16.1% 56
App data to underwriting declined 0 20
Docs drawn not funded 1 1
Funded not purchased 3 100.0% 3
Notes-
8/1/2013 - 9/1/2013 Propel 2.0 Loan Officer Ian Brannon
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 6 Leads Primary 5
Dollars $1,000,000 Prospects Second 0
Penthouse Agents Investment 1
Product MixMTD YTD MTD YTD MTD YTD
Purchase 3 Conv 2 VA 1
Avg Loan $199,092 Avg Loan $163,500 Avg Loan $177,900
FICO 682 FICO 754 FICO 677
Avg LTV 98 Avg LTV 73 Avg LTV 100MTD YTD MTD YTD MTD YTD
Refinance 3 FHA 2 USDA 1
Avg Loan $145,400 Avg Loan $187,288 Avg Loan $154,000
FICO 738 FICO 701 FICO 673
Avg LTV 80 Avg LTV 96 Avg LTV 98
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 Rents 2 Married 3
Avg Loan $0 Owns 4 Unmarried 3
FICO 0 RefSrc Realtor Separated 0
Avg LTV 0 Repeat Client 2
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing Fixed 6
Credit ARM 0
Price Concess $0.00 $2,218 $369.59
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 60 28.6% 210
File started to push to process purchase 193 192
File started to push to process refinance 0 15
App data to processing 127 82
App data to underwriting 205 165
Processing to Funded (avg days) 0 39
Application denied - credit 1 26
Application withdrawn 0 25
Credit ran no app data complete -Quantity 50 34.7% 144
App data to underwriting declined 21 18
Docs drawn not funded 0 0
Funded not purchased 3 100.0% 3
Notes-
8/1/2014 - 9/1/2014 Propel 2.0 Loan Officer Ian Brannon
Volume MTD YTD Activity TM LM Occupancy MTD YTD
Units 16 100 Leads Primary 15 87
Dollars $2,459,195 $14,800,000 Prospects Second 0 3
Penthouse Agents Investment 1 10
Product MixMTD YTD MTD YTD MTD YTD
Purchase 14 92 Conv 9 53 VA 3 14
Avg Loan $159,393 $148,580 Avg Loan $160,046 $140,441 Avg Loan $122,250 $187,636
FICO 702 714 FICO 725 740 FICO 673 725
Avg LTV 91 89 Avg LTV 80 81 Avg LTV 92 93MTD YTD MTD YTD MTD YTD
Refinance 2 8 FHA 3 31 USDA 1 2
Avg Loan $113,850 $140,061 Avg Loan $155,043 $142,247 Avg Loan $186,900 $154,950
FICO 672 739 FICO 646 675 FICO 692 674
Avg LTV 57 72 Avg LTV 97 96 Avg LTV 102 102
Brokered App DataMTD YTD MTD YTD MTD YTD
Brokered 0 4 Rents 10 62 Married 7 52
Avg Loan $0 $64,225 Owns 5 33 Unmarried 9 46
FICO 0 733 RefSrc Realtor 0 1 Separated 0 2
Avg LTV 0 73 Repeat Client 1 5
Expenses Loan Type
MTD per/unit YTD per/unit MTD YTD
Marketing $4,060 $254 $11,124 $111.24 Fixed 16 98
Credit $70 $4.38 $210 $2 ARM 0 2
Price Concess $378 $23.64 $13,089 $130.89
File Velocity
MTD % of YTD YTD % to total
File started-Quantity 32 9.1% 351
File started to push to process purchase 14 42
File started to push to process refinance 0 56
App data to processing 10 19
App data to underwriting 26 37
Processing to Funded (avg days) 0 34
Application denied - credit 0 20
Application withdrawn 0 17
Credit ran no app data complete -Quantity 14 10.1% 138
App data to underwriting declined 0 0
Docs drawn not funded 0 0
Funded not purchased 3 100.0% 3
Notes-
