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BUILDING AMERICA

TOGETHER


BUILDING AMERICA TOGETHER

SAME GREAT PEOPLE, SAME GREAT SERVICE loanDepot is America’s lender offering home purchase and refinance loans, personal loans and home equity products nationwide. Headquartered in Southern California, we are committed to leading the lending industry into the next generation of modern lending. Licensed in all 50 states with retail branches in most, we have the capability to support customers when and how they want to be served. As a top five retail lender in America and the largest private lender to new homebuyers in the U.S., loanDepot’s resources and entrepreneurial culture allow us to support builder accounts with an eye toward customer experience.

As part of a large-scale growth initiative, imortgage was acquired in 2013 by a lending powerhouse, loanDepot. United, we continue to make significant reinvestments into our proprietary technology and marketing platform, credit and risk models, and dynamic product delivery systems.

Together we carry on the tradition and keep Building America Together!


BUILDING AMERICA TOGETHER

TOP RETAIL

IN THE U.S. FIVE LENDER

50

STATE

LICENSES

#1

PRIVATE LENDER TO NEW CONSTRUCTION HOMEBUYERS IN THE U.S. FOR 2016

180+

OFFICES NATIONWIDE

$100B FUNDED SINCE 2010

1,700+ LOAN OFFICERS


BUILDING AMERICA TOGETHER

EXPERIENCE THAT SPEAKS VOLUMES Our leadership’s values are reflected in our culture, a driving force in loanDepot’s rapid rise to become a top five retail mortgage lender nationally. As your partner, it’s our mission to set a custom-fitted, reliable platform to adapt to your specific needs and facilitate sales. We do so by leveraging our proven experience and desire to be a true partner in the new home sales process. Fasten your seatbelt and join the architect of modern lending for a ride.

50% of our purchase business is builder Preferred relationships with five of the top 25 builders  ver 400 builder relationships O nationwide Joint Ventures with top 20 builders  liant Certified with over 90% E customer satisfaction score for five consecutive years


BUILDING AMERICA TOGETHER

ANTHONY HSIEH

DAN HANSON

DAVID NORRIS

DAN PEÑA

MIKE SURGES

Anthony Hsieh is a lifelong entrepreneur, the chairman, chief executive officer and founder of loanDepot. He is a national mortgage industry expert and innovator who has successfully navigated through multiple housing and economic cycles spanning 30+ years. He is known for integrity, innovation and market timing. Anthony launched loanDepot in 2010 with a commitment to responsible lending and customer-first service.

As loanDepot’s chief production officer, Dan Hanson is leading the transformation of the company’s Retail Production team to achieve its ambitious goals. Dan is responsible for developing loanDepot’s future enterprise growth strategy and platform for the company’s Retail sales production team. He is also leading the sales organization through further expansion and an increased scope of origination opportunities nationwide.

As chief revenue officer, David Norris oversees the management of loanDepot’s distributed retail channels, which includes 180+ loan stores nationwide, works on high-priority growth projects, and manages revenue-generation processes and strategic projects. David brings more than 25 years of executive experience in the consumer mortgage and technology industries to the company.

As senior vice president of National Joint Ventures, Dan Peña will lead the effort with loanDepot’s fast-growing joint venture partnerships. In his 17-year tenure with the company he has excelled in a variety of roles, that uniquely qualify him to deliver servicedriven and customer-focused culture to the joint venture business partners. Under Dan’s leadership, these joint venture and national account collaborations funded nearly $2 billion in home loans in 2016.

Mike Surges has been instrumental in leading loanDepot’s growth to becoming a top lender to new home buyers in the U.S. With over 30 years of invaluable financial services industry experience, Mike brings the stability and a unique perspective to customer and client needs. His balanced outlook, vast knowledge and deep understanding of the builder sector continually push to advance and solve the challenges of tomorrow.

Chairman & CEO

Chief Retail Production Officer

Chief Revenue Officer

Senior Vice President, National Joint Ventures

National Builder Alliance Manager


BUILDING AMERICA TOGETHER

LASER SHARP FOCUS Our accelerated growth is no accident. When you choose to align with a trusted lending partner, you’ll gain a powerful network of builder specialists armed with product, technology and know-how. We understand that driving traffic, sales and predictable closings matter because partnering with builders is in our DNA.

• Leadership who each began their careers with a builder focus

• Predictable delivery and an eye on customer experience supporting sales and referrals

• Regional builder specialists that share ideas and best practices

• Relationship fulfillment for Joint Ventures and National/Regional to support the nuances of larger builders

• Builder Express for preferred builders

With our commitment to builders, you can count on a reliable partner who’s geared up to tackle any unforeseen challenge.

50%

PURCHASE BUSINESS IS BUILDER


COAST-TO-COAST PRESENCE

WASHINGTON

ILLINOIS

COLORADO

MASSACHUSETTS

NEW YORK

ARIZONA NEW MEXICO

CALIFORNIA Branch Locations Licensed to Originate

NORTH CAROLINA

GEORGIA

TEXAS

LOUISIANA

OUR FOOTPRINT SPANS MORE THAN 180 OFFICES NATIONWIDE.

FLORIDA


BUILDING AMERICA TOGETHER

RELATIONSHIP DRIVEN POWER PLAYER We have a variety of partnership models to leverage. From preferred lender to marketing relationships, our dynamic platform supports the entire spectrum of relationship options. We have a proven track record with our Joint Venture model, including the longest tenured builder venture in the U.S. We have everything you could ever need in one powerful box.

PREFERRED LENDER

MSA

JOINT VENTURE BROKER

JOINT VENTURE BANKER

Service

Service

Service

Service

Control

Control

Control

Control

Brand

Brand

Brand

Brand

Low Risk

Low Risk

Low Risk

Low Risk

Revenue

Marketing Revenue

Revenue

Revenue

Financial Success

Financial Success

Financial Success

Financial Success


,,

WE ARE VERY CONSCIOUS OF THE FACT THAT BUILDERS HAVE TO JUGGLE HUNDREDS OF DISTINCT FUNCTIONS, AND LENDING IS JUST ONE ASPECT OF THEIR JOB. WE WANT TO REMOVE THE WORRY AROUND ONE OF THOSE FUNCTIONS AND ENSURE THERE IS A TRUSTED PARTNER ON THE LENDING SIDE TO SUPPORT THE SALES PROCESS, FROM PLANNING TO CLOSING. – Mike Surges

National Builder Alliance Manager

WE HAVE BUILDER RELATIONSHIPS OVER 20 YEARS STRONG. WITH THAT EXPERIENCE COMES THE ABILITY TO ANTICIPATE CHALLENGES AND BRING TANGIBLE RESULTS.

,,


BUILDING AMERICA TOGETHER

BUILDER ADAPTED DIGITAL PLATFORM As your lending partner, we’re ready to use our in-house innovative technology to meet the demands of your customers today and tomorrow. mello™, our proprietary digital lending platform, makes it easy to work with us on any device the customer chooses. This groundbreaking technology opens the door for the builder to pull documents digitally as well as gain timely status updates whenever they want. With this streamlined experience and easy-to-access mobile features, we’ve revolutionized the way builders and their buyers experience lending.

,,

HAVING AN EXPERIENCED TEAM AND EFFICIENT FULFILLMENT ORGANIZATION IS CRITICAL. TECHNOLOGY IS QUICKLY BECOMING THE KEY DIFFERENTIATING FACTOR FOR CONSUMERS AND THE MORTGAGE ORIGINATORS. CONSUMERS EXPECT MORE, AND SOME ARE DELIVERING! – Dan Hanson

Chief Retail Production Officer

,,


THE FUTURE OF LENDING TECHNOLOGY Investment: We have invested more than $80 million into mello™ to allow us to meet the challenges of an evolving digital revolution. It’s our commitment to developing the fintech ecosystem of the future. Expertise: A team of 300+ IT professionals work hard every day to make loanDepot one of the most valuable fintech companies in the country. Partners: Not only do we deliver development solutions in-house, we also partner with the most innovative companies to deliver the best solutions.

OPERATIONAL SUPPORT We streamline our internal processes based on enhanced connectivity and validation options. Information can be supplied digitally between various vendors and agencies, saving time and money.

BUILDING AMERICA TOGETHER

CUSTOMER EXPERIENCE mello™ allows the customer to prequalify and apply on any device, even a smartphone. Technology allows the customer to access information on a variety of devices at any time. It allows the customer to supply information digitally as well as leverage a mobile device to upload documents.


TURBOCHARGED BUILDER PRODUCTS Long Term Lock – Lock rate up to nine months with free float down prior to close. Flexible option for buyers to lock in current rates as their home is being completed, while hedging rising interest rates. Lock N Sell – Successful tool for builders to move inventory while simultaneously creating urgency for buyers to make a purchase decision today. This unique feature offers a free float down prior to close should market rates drop further. Forward Commitments – Uncertain of the interest rate market? Our forward commitments will protect builder interest rate position while the community is being sold. This brings peace of mind and the ability to market controlled pricing. Minimal Overlays – Compared to most lenders, our minimal credit overlays result in faster approvals with expanded options for buyers. Multi-Lender Platform – The size and power of our network allows for a broad spectrum of lending options, not only limited to a single lender. Jumbo Loans – Multiple options that extend the credit box beyond one lender. A competitively priced proprietary 7/1 Jumbo Advantage is designed to provide a controlled process for your Jumbo customers.

,,

BUILDING AMERICA TOGETHER

WE’RE FAMILIAR WITH EVERY NUANCE IN THE BUILDER SECTOR. OUR RELIABLE PRODUCTS WILL TURN ANYONE’S UNCERTAINTY INTO CONFIDENCE.

– Dan Peña

 enior Vice President, S National Joint Ventures

,,


BUILDING AMERICA TOGETHER

SMART PLATFORM THAT SUPPORTS THE BASICS BUILDER EXPRESS

FLEXIBLE FULFILLMENT MODELS

A firm approval upfront and predictable closing at the end supports our Preferred Builders:

Local and national options that allow for predictable delivery. Our adaptable models are the foundation for success and higher volume builder relationships.

• Closing documents collected up front and stored in a master file

• Minimized time from home completion to customer move in

• Prompt wire initiation the morning of signing appointment

• Fully underwritten loan prior to processing

• Flexibility on funding for seller documents and appraisal (442)

CONDO PROJECT APPROVALS

ESCROW FUNDS

APPRAISALS

FNMA, VA and FHA project approvals for condominium projects.

For any borrower looking for outdoor renovations, post-closing escrows allow for items such as pools and landscaping.

Utilize certified new construction appraisers.


BUILDING AMERICA TOGETHER

NOT SATISFIED UNLESS IT’S ELIANT CERTIFIED Our commitment to providing excellent customer care is reflected in being one of the few lenders in America to have earned the Eliant-Certified distinction. We’re proud to have exceeded 90% on Eliant customer satisfaction surveys for five straight years. Year after year, we produce top-level Eliant-Certified professionals trained and dedicated to providing higher sales conversions, expedited closings and even more referrals to builders. We deeply understand the impact on customer experience to the buyer’s satisfaction and willingness to refer others. Our commitment to excellence benefits our builder partners as much as it benefits us. And we’re not satisfied until you are.

FRIENDLY

EASY TO WORK WITH

KNOWLEDGEABLE • ON TIME, EVERY TIME


DON’T TAKE OUR WORD FOR IT.

HEAR WHAT OUR CUSTOMERS HAVE TO SAY… I didn’t think there was anyone today that was on top of everything and actually did what was expected of them the way your team did. Not only did the team do their part, but they went above and beyond. This home-buying experience was a positive one thanks to loanDepot. I am extremely satisfied with my experience with loanDepot. They did an outstanding job in all aspects. I would highly recommend loanDepot to anyone looking at buying a house. Thank you. My entire experience with loanDepot was amazing. They definitely exceeded my expectations. I have already referred my brother to loanDepot. I would not hesitate to use them again or refer to others. Thanks for this excellent experience. Great level of service, outstanding employees. Each and every one I came into contact with was extremely courteous and professional. I wouldn’t go anywhere else.


loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. All rights reserved. NMLS #174457 www.nmlsconsumeraccess.org AZ: Mortgage Banker/Broker with the Arizona Department of Financial Institutions #0911092. CA: Department of Business Oversight under the California Residential Mortgage Lending Act#4131040. CO: Colorado Department of Real Estate under a Mortgage Company Registration. CT: Con-necticut Department of Banking as a Mortgage Lender #ML-174457. FL: Florida Lender License number MLD903. GA: Georgia Residential Mortgage Licensee #24020. IL: Illinois Residential Mortgage Licensee #MB.6760709. KS: Kansas Licensed Mortgage Company MC.0025338. MA: loanDepot is a Mortgage Lender in Massachusetts License #MC174457. MD: Mortgage Lender by the Commissioner of Finan-cial Regulation #06_18928. MN: This is not an offer to enter into an interest rate lock agreement under Minnesota law. MS: Licensed by the Mississippi Department of Banking and Consumer Finance. NH: Licensed by the New Hampshire Banking Department. NJ: Licensed Mortgage Banker – NJ Department of Banking and Insurance. NY: Licensed Mortgage Banker – NYS Department of Financial Services. OR: License # ML-4972. PA: First mortgage banker by the Department of Banking. RI: Rhode Island Licensed Lender. TN: under Mortgage License No. 4318; VA: mortgage lender and broker by the Virginia State Corporate Commission #MC-5431; WA: licensed by the Department of Financial Institutions under the Consumer Loan Act#CL-174457. Also licensed in: AK, AL, AR, DC, DE, HI, IA, ID, IN, KY, LA, ME, MI, MO, NC, ND, NE, NM, NV, OH, OK, SC, SD, TX, UT, VT, WI, WV and WY.

Building America Together  

loanDepot is America’s lender offering home purchase and refinance loans, personal loans and home equity products nationwide. As a top five...

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