| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |