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C12 |  C14 |  C18  |  C19* |  C20* |  C22* |  C24* |  C28  |  C30* |  C33  |   C34  |  C35* |  C36  |   C37*
Partner C19*
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License Type
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Branch Revenue Model
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# Licensed States
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Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
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Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
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Branch Underwriting/Closing
•
Processing Options
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Underwriting Turn Time
•
Benefits
•
Employee Credit
Federally Chartered Commercial Bank
100% Profit & Loss
50
10 units per month
2 months overhead expenses
none
$995
none
150-250 basis points
conventional, FHA, VA, USDA, reverse
conventional, FHA, VA, 203k, jumbo, reverse
branch P&L credit
not allowed
required
Encompass
not allowed
branch, corporate
2-4 days
major medical, dental
620 FICO, judgments/tax liens case by case
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*chartered bank

Branch Partners

3d little human character X2 shaking hands on a Jigsaw Puzzle. Red and green.

Chartered Banks

Partner C20*
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License Type
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Branch Revenue Model
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# Licensed States
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Minimum Production
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Reserves
•
Startup Costs
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Total Per File Fees
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Monthly Fees
•
Corporate Margin
•
Banked Products
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Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
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LOS
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Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
State Chartered Commercial Bank
100% Profit & Loss
48
$2.5M per month
2 months overhead expenses
none
$995
$495 + $135 per employee
100-200 basis points
conventional, FHA, VA, USDA, reverse
203k, jumbo, reverse
branch P&L credit
not allowed
required
Avista
allowed
branch, corporate
2-4 days
major medical, dental
case by case
top
Partner C22*
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
State Chartered Commercial Bank
100% Profit & Loss
50
$2M per month
6 months overhead expenses, minimum $15k - $25k
none
$750
$80
100-200 basis points
conventional, FHA, VA, USDA, 203k, reverse
FHA, 203k, jumbo, reverse
branch P&L credit
not allowed
required
Encompass
not allowed
branch
2 days
major medical, dental, vision, life, disability, 401k
no BK or FC within past 24 months
top
Partner C24*
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License Type
•
Branch Revenue Model
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# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Federally Chartered Commercial Bank
100% Profit & Loss
50
$4M per month
3 months overhead expenses
none
$995
$160 per employee
100-150 basis points
conventional, FHA, VA, jumbo
conventional, FHA, VA, USDA, 203k, jumbo, reverse
branch P&L credit
not allowed
required
Encompass
not allowed
branch
2-4 days
major medical, dental, vision, life, disability
case by case
top
Partner C30*
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License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
State Chartered Savings Bank
100% Profit & Loss
50
10 units or $2M per month
$2,000 per employee
none
$1,254
$200 per employee
100-200 basis points
conventional, FHA, VA, USDA, 203k, jumbo, reverse
conventional, FHA, 203k, jumbo, reverse
branch P&L credit
not allowed
required
Encompass
allowed
branch, corporate
2-4 days
major medical, dental, vision, life, disability, 401k
case by case
top

Licensed Mortgage Bankers

Partner C12
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License Type
•
Branch Revenue Model
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# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Licensed Mortgage Banker
100% Profit & Loss
38
15 units or $2.5M per month
1 month overhead expenses
none
$815
$250
100-200 basis points           volume incentives
conventional, FHA, VA, USDA
203k, jumbo, reverse
branch P&L credit
not allowed
required
Avista
not allowed
branch, corporate
1-2 days
major medical, dental, vision, life, HSA, 401
660 FICO, exceptions case by case
top
Partner C14
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Licensed Mortgage Banker
100% Profit & Loss
16
8 units per month
1 month overhead expenses
travel to visit corporate office
$995
none
75-150 basis points           volume incentives
conventional, FHA, VA, USDA
conventional, FHA, 203k, jumbo, reverse
branch P&L credit
not allowed
required
Encompass
allowed
branch, corporate
2-3 days
limited medical
case by case
top
Partner C18
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Licensed Mortgage Banker
100% Profit & Loss
12
8 units per month
2 months overhead expenses
$2,000
$625 - $850
none
50-150 basis points
conventional, FHA, VA, USDA, 203k, jumbo, reverse
conventional, FHA, 203k, jumbo, reverse
branch P&L credit
allowed
required
PC Lender
allowed
branch, contract, corporate
2-4 days
major medical, dental, vision, life, 401k
case by case
top
Partner C28
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Mortgage Banker
20% Shared
13
10 units or $2.5M per month
2-6 months overhead expenses
none
$1,250
none
none
conventional, FHA, VA, USDA, 203k, jumbo, reverse
FHA, 203k, jumbo
branch P&L credit
allowed
required
Encompass 360
allowed
branch, corporate
2-3 days
major medical, dental, vision, life, 401k
case by case
top
Partner C33
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Licensed Mortgage Banker
100% Profit & Loss
32
8 units or $2M per month
1-2 months overhead expenses
none
$895
$495
75-150 basis points
conventional, FHA, VA, USDA, 203k, jumbo, reverse
jumbo
branch P&L credit
not allowed
required
Encompass 360
allowed
branch
2-3 days
major medical, dental, supplemental, 401k
case by case
top
Partner C34
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Licensed Mortgage Banker
100% Profit & Loss
26
5 units per month
2 months overhead expenses
none
$1,360
none
75-175 basis points
conventional, FHA, VA, jumbo, reverse
conventional, FHA, USDA, 203k, jumbo
branch P&L credit
not allowed
required
Calyx
allowed
branch, corporate
2-4 days
major medical, dental, vision, 401k
no BK or FC on primary residence
top
Partner C35*
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
State Chartered Savings Bank
100% Profit & Loss or 25% Shared
47
$5M per month
2 months overhead expenses
none
$850
$100 + $10 per employee
75-175 basis points
conventional, FHA, VA, USDA, 203k, jumbo, reverse
none
branch P&L credit
not allowed
required
Encompass
allowed
branch
2-4 days
major medical, dental, vision, life, disability, 401k
case by case
top
Partner C37*
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
State Chartered Savings Bank
100% Profit & Loss or company owned Retail
41
$4M per month
1 month overhead expenses
none
$975
$350 per employee
100-200 basis points
conventional, FHA, VA, USDA, jumbo
none
borrower credit
not allowed
required
Avista
not allowed
branch, corporate
2-5 days
major medical, dental, vision, life, disability, 401k
case by case
top
Partner C36
•
License Type
•
Branch Revenue Model
•
# Licensed States
•
Minimum Production
•
Reserves
•
Startup Costs
•
Total Per File Fees
•
Monthly Fees
•
Corporate Margin
•
Banked Products
•
Brokered Products
•
Excess YSP
•
DBA
•
Commercial Space
•
LOS
•
Branch Underwriting/Closing
•
Processing Options
•
Underwriting Turn Time
•
Benefits
•
Employee Credit
Licensed Mortgage Banker
100% Profit & Loss
35
15 units or $3M per month
2-3 months overhead expenses
none
$895
$895 + $100 per employee
75-150 basis points
conventional, FHA, VA, 203k, jumbo, reverse
jumbo
branch P&L credit
not allowed
required
Encompass
allowed
branch, corporate
2-4 days
major medical, dental, vision, 401k
case by case
top