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Building America

Together


Same Great People,

Same Great Service

#

1

2

PRIVATE LENDER TO NEW CONSTRUCTION HOMEBUYERS IN THE U.S. FOR 2019

ND LARGEST

NON-BANK

LENDER

IN THE US

$211B+

FUNDED SINCE 2010

14,000 STATE LICENSES

2,000+

LOAN CONSULTANTS

loanDepot is a national lender offering home purchase, construction, and refinance 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 construction homebuyers in the U.S., loanDepot’s resources and entrepreneurial culture allow us to support builder accounts with an eye toward customer experience.

Together we carry on the tradition and keep building America together!


Laser Sharp

Focus

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

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. • A leadership team with strong roots in builder business • P  redictable delivery and an eye on customer experience supporting sales and referrals • Regional builder specialists that share ideas and best practices


Experience that

Speaks Volumes

Our Leadership team’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

Preferred relationships with top 25 builders

partner in the new home sales process.

Over 400 builder relationships nationwide

Fasten your seatbelt and join the architect of modern lending for a ride.

Joint Ventures with top 20 builders


Anthony Hsieh

Dan Hanson

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 customerfirst 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 senior vice president of National Joint Ventures, Dan Peña will lead the effort with loanDepot’s fastgrowing joint venture partnerships. In his 20-year tenure with the company he has excelled in a variety of roles, that uniquely qualify him to deliver service-driven and customer-focused culture to the joint venture business partners. Under Dan’s leadership, these joint venture and national account collaborations funded nearly $5 billion in home loans in 2019.

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

SVP, National Joint Ventures

National Builder Alliance Manager


Coast-to-Coast

Presence

ILLINOIS MASSACHUSETTS NEW YORK

WASHINGTON

COLORADO ARIZONA

NEW MEXICO

NORTH CAROLINA

CALIFORNIA

GEORGIA

LOUISIANA FLORIDA TEXAS

Our footprint spans more than 200 offices nationwide. — LI CENSED I N A LL 50 ST A T ES ­— Branch Locations

Licensed to Originate


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 Service

Low Risk

Control

Revenue

Brand

Financial Success

Service

Low Risk

Control

Marketing Revenue

Brand

Financial Success

MSA

JOINT VENTURE BROKER Service

Low Risk

Control

Revenue

Brand

Financial Success

JOINT VENTURE BANK Service

Low Risk

Control

Revenue

Brand

Financial Success


We Have Builder Relationships

Over 20 Years Strong

With that experience comes the ability to anticipate challenges and bring tangible results.

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.

–M  ike Surges National Builder Alliance Manager


The Future of Lending Technology Investment: We have invested more than $100 million into melloŽ 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 450+ 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.

Customer Experience melloÂŽ 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.

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.


It Takes Complexity to

Deliver Simplicity

As your lending partner, we’re ready to use our inhouse innovative technology to meet the demands of your customers today and tomorrow. mello , our ®

proprietary digital lending platform, exceeds customer expectations and makes it easy to work with us on any device. This groundbreaking technology opens the door for buyers to stay up to date on their loan status. With this streamlined experience and easyto-access mobile features, we’ve revolutionized the way builders and customers 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


Say Hello

to

POINT OF SALE (POS) • P  uts your borrowers in control of their mortgage from time of application with digital asset, income and employment verification capabilities • E  nables originators to quickly determine potential cost and time-savings for their customers • S  treamlined user experience provides originators more time to work on business development

• Web-based, intuitive, responsive • Quick credit, application, Dual AUS • Customized loan comparisons, pre-quals and worksheets • Pipeline dashboard and management • Digitally validate income, assets and employment

CRM & MARKETING

CONSUMER PORTAL

• Realtor and partner co-marketing system

• Secure document management system

• Single property websites

• View, upload, acknowledge and sign docs

• Realtor and Loan Consultant marketing library

• S  ecure messaging between borrower, Loan Consultant, and processor

• E  asy management of past, present and future leads, clients and business partners

• Access to historical loan details and docs

• Integrated with website, LOS and POS

DESIGNED

FOR

LOAN CONSULTANTS

BY

LOAN CONSULTANTS.


Powerful Builder

Product & Processes

PRODUCTS

DAN PEÑA

SVP, National Joint Ventures “We’re familiar with every nuance in the builder sector. Our reliable products will turn anyone’s uncertainty into confidence.”

Extended Lock Program – Lock rate up to twelve months with a free float down option prior to close. This flexible option allows borrowers to hedge risk as their home is being completed. Lock-n-Sell – Allows the builder to lock a rate for 150 days on a specific home prior to identifying the buyer. Features a free interest rate float down prior to close. Builder can highlight standing inventory and motivate buyers to make a purchase decision sooner. Jumbo Loans – Multiple options that extend the credit box beyond one lender. A competitively priced proprietary Jumbo Advantage is designed to provide a controlled process for your Jumbo customers.

MIKE SURGES

National Builder Alliance Manager “From preferred lender relationships to Joint Venture structures, we focus on creating a dynamic platform that can change with our builder partner needs.”

Buydowns – Options for Jumbo, FHA, VA and conforming products that allow builders to offer buyers lower payment for the first 12 to 24 months.

New Home Construction Lender Rankings • for 2019 •

#1 PRIVATE LENDER

PROCESSES mello smartloan™ & Builder Express – Proprietary technology and processes streamline the mortgage for our buyer and builders.

New Home Construction Lending Volume • for 2019 •

Partnership Opportunities – loanDepot aligns with builders in several strategic ways including Preferred Lender, co-branded marketing, lenderExpress, advertising agreements, and Joint Ventures. Minimal Overlays – Compared to most lenders, our minimal credit overlays result in faster approvals with expanded options for buyers. Project Approval Services – Internal team that can help builders facilitate the appropriate agency approvals from FHA, VA or FNMA on attached housing product.

$5.5+ BILLION

CLOSED OVER

16,000

NEW HOME BUYER LOANS IN 2019


Smart Platform that

Supports the Basics

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

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

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

CONDO PROJECT APPROVALS FNMA, VA and FHA project approvals for condominium projects.

ESCROW FUNDS

APPRAISALS

We understand there are times the borrower or builder may need to escrow for weather-related or other minor items that can be delayed in the new home process.

Utilize certified new construction appraisers.


O UR G O AL I S TO BE

THE LENDER OF CHOICE BY BEING A COMPANY THAT OPERATES ON SOUND

PRINCIPLES OF EXCEPTIONAL VALUE

ETHICS

& TRANSPARENCY


Our Lifetime

Guarantee

loanDepot understands the needs of a borrower today may require a different lending solution in the future. In an effort to evolve together, we’ve brought forth the Lifetime Guarantee. After a loan funds with us, we’ll waive the lender fee and reimburse the appraisal fee on any future refinance with loanDepot.* Our Lifetime Guarantee gives borrowers the flexible option to obtain the property they want today, and opt-in for a no fee refinance in the future, should their needs change down the road!

Most home owners will refinance their mortgage every 7 years. That means over the course of a 30-year mortgage your clients are likely to refinance at least 4 times, twice during a 15-year mortgage. That can mean thousands in lender and appraisal fees every time.

*loanDepot Lifetime Guarantee: Terms and conditions apply. Please refer to the website: www.loanDepot.com/MyGuarantee for the most current terms and conditions as they are subject to change without notice.

MOST HOME OWNERS

REFINANCE EVERY

7 YEARS

4X 30-YR LOAN 2X 15-YR LOAN OVER LIFE OF OVER LIFE OF


Rates, terms, and availability of programs are subject to change without notice. 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: Connecticut 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. MA: loanDepot is a Mortgage Lender in Massachusetts License #MC174457. MD: Mortgage Lender by the Commissioner of Financial 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 No. 109061. OR: License # ML-4972. PA: First mortgage banker by the Department of Banking. RI: Rhode Island Licensed Lender. TN: under Mortgage License No. 110371; 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, KS, KY, LA, ME, MI, MO, NC, ND, NE, NM, NV, OH, OK, SC, SD, TX, UT, VT, WI, WV and WY. (011720 237452v2)

Profile for loanDepot

Building America Together  

loanDepot is a national lender offering home purchase, construction, and refinance loans, and home equity products nationwide. Headquartered...

Building America Together  

loanDepot is a national lender offering home purchase, construction, and refinance loans, and home equity products nationwide. Headquartered...