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VA Lenders Conference

This report displays loan statistics, top reviewers, lender distribution, loan closing rates, loan volume changes, and median interest rates for VA lenders.

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VA Lenders Conference

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  1. 20th Annual VA Lenders Conference

  2. Loans Guaranteedbetween: 01/01/2018 to12/31/2018 LenderScorecard National

  3. LenderScorecard National Report Definition: This report displays the popular loan statistics by age of the borrower. The bar chart displays both the total loan volume and the median loan amount by agegroup. National CY 2018 Loan Statistics byAge Median: $239,000 Total Loans:137,683 140K Median: $275,000 Total Loans:119,426 Median:$260,422 120K Total Loans:111,104 100K Median: $205,000 Total Loans:81,420 LoanVolume Median: $221,062 Total Loans:77,510 80K 60K 40K Median: $190,939 Total Loans:23,986 Median: $200,000 Total Loans:20,894 20K 0K 18-25 26-35 36-45 46-55 56-65 66-75 76+

  4. LenderScorecard National Report Definition: This report displays the top 10 Staff Appraisal Reviewers (SAR) based on the total number of LAPP NOV's issued, and also displays the average SAR timeliness (business days) associated with the NOV's issued. SAR ReviewerName STEVENURBAN HEATHERMONTALVO REBECCA CHESSOR DEWANYNA GREEN STEVEN BULSON LANDIJIDDOU ERIC WISNIEWSKI ALEXANDER KIBLER FREDERICK WARNER ROBINIRELAND SAR Rank - Top 10 by LAPP NOV's Issued and Avg. Timeliness (businessdays) 2.0 1.5 FREDERICKWARNER SARTimeliness REBECCACHESSOR 1.0 0.5 0.0 1,200 1,400 NOV'sIssued 0 200 400 600 800 1,000 1,600 1,800 2,000 2,200 2,400 2,600 2,800

  5. LenderScorecard National Report Definition: This report summarizes the number of lenders based on the total loan volume guaranateed during CY2018. CY 2018 Lender Distribution by LoanVolume All LoanTypes CY 2018 Lender Distribution by LoanVolume PurchaseLoans 757 53.42% 803 58.40% 293 20.68% 272 19.78% 199 172 14.04% 77 5.43% 12.51% 69 5.02% 41 30 20 27 21 11 CY 2018 Lender Distribution by LoanVolume IRRRLLoans CY 2018 Lender Distribution by LoanVolume Cash-OutLoans 456 87.69% 942 81.21% 92 80 23 4.42% 20 3.85% 10 1.92% 1-49 50-99 100-499 500-999 1,000-1,9992,000-4,999 5,000+ 1-49 50-99 100-499 500-999 1,000-1,999 2,000-4,999 5,000+

  6. LenderScorecard National Report Definition: This report compares, by quarter, the lenders percentage of loans closed (blue bars) to the National average (orange marks). Lender Loan Closing Rate vs National - IRRRLLoans Lender Loan Closing Rate vs National - AllLoans 2017 2018 2017 2018 100.. 100% 78.6% 77.9% 76.4% 80% 65.0%64.6% 64.3% 62.8% 60% 55.5% 41.3% 39.2% 40% 36.1% 20% 0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 National% National% Lender Loan Closing Rate vs National - Cash-Out Loans 2017 2018 100% 80% 71.3% 70.5% 70.2% 69.8% 69.8% 69.2% 68.5% 66.3% 60% 40% 20% 0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

  7. LenderScorecard National Report Definition: This report displays the total loan volume by loan type and by quarter from CY 2015 through CY2018. Loans Guaranteed by CalendarYear-Quarter Loan Type Mix by CalendarYear-Month 2016 2017 2018 2015 19% 17% 19% 18% 17% 23% 25% 24% 22% 27% 22% 19% 27% 29% 24% 28% 2015 34% 34% 38% 23% 33% 42% 22% 30% 14% 15% 6% 26% 19% 16% 2016 62% 62% 59% 56% 55% 54% 49% 48% 48% 49% 47% 43% 40% 74% 70% 69% 2017 2018 Purchase IRRRL Cash-Out CY15 - CY18 Yearly Median LoanAmount Purchase IRRRL Cash-Out $245,000 $237,590 $229,376 $226,650 $229,000 $224,716 $225,000 $220,000 $216,678 $213,699 $210,284 $206,260 2015 2016 2017 2018 2015 2016 2017 2018 2015 2016 2017 2018

  8. LenderScorecard National Report Definition: This report compares the lenders loan volume percent change (blue bars) between CY 2017 and CY2018. CY18 vs CY17 Loan Volume Percent Change - IRRRLLoans 22,805 13,011 10,70610,780 10,427 9,544 9,470 7,1677,713 2,813 7,676 8,604 909 912 733 9,842 8,107 1,1051,037 7,760 6,140 2,109 3,719 681 -54% -36% -73% -89% -89% -40% -48% -64% -86% -91% -93% -93% JanFeb Mar Apr May Jun Jul AugSepOct Nov Dec 2017 2018 CY18 vs CY17 Loan Volume Percent Change - Cash-OutLoans 15,16315,557 15,613 14,36314,889 13,60113,229 13,431 11,850 14,212 14,120 11,020 13,04913,908 12,58612,462 11,94912,117 11,952 11,34111,065 4% -2% -19% -7% -9% -7% -11% -14% -7% -6% -23% -22% JanFeb Mar Apr May Jun Jul AugSepOct Nov Dec

  9. LenderScorecard National Report Definition: This report displays the lenders median interest rate by quarter (bars) and compares each quarter against the national median (orange marks). The bars turn blue if the lenders median rate is greater than the National medianrate. Median Interest Rate Comparison - AllLoans 2016 2017 IRRRLLoans 2015 2018 2015 2016 2017 2018 3.750% 3.625% 3.750% 3.750% 3.750% 3.500% 3.375% 3.250% 3.750% 3.875% 3.875% 3.750% 3.875% 4.500% 4.625% 4.750% 3.750% 3.500% 3.750% 3.750% 3.625% 3.375% 3.250% 3.250% 3.375% 3.750% 3.375% 3.500% 3.750% 3.875% 4.250% 4.375% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 PurchaseLoans 2016 2017 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Cash-OutLoans 2016 2017 2015 2018 2015 2018 3.750% 3.750% 3.875% 3.750% 3.750% 3.625% 3.500% 3.375% 3.875% 3.990% 3.875% 3.875% 4.000% 4.500% 4.625% 4.750% 3.750% 3.750% 3.875% 3.875% 3.750% 3.625% 3.500% 3.375% 3.750% 3.875% 3.875% 3.875% 3.875% 4.375% 4.500% 4.750% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

  10. LenderScorecard National Report Definition: This report displays the lenders CY 2018 loans guaranteed by loan type. The size of the circles represent the total number ofloans. CY 2018 Loans Guaranteed by LoanType LoanType Purchase IRRRL Cash-Out

  11. Report Definition: This report displays the lenders closing rate average by state and compares it against national average. If the lenders closing rate is lower than the national average the state turnd red. (75%) LenderScorecard National CY 2018 Closing Rate byState 80.7% 81.0% 78.5% 75.7% 80.8% 71.8% 81.4% 78.4% 81.2% 76.9% 71.6% 74.9% 79.4% 74.3% 74.3% 79.5% 74.9% 79.0% 81.9% 73.0% 75.5% 75.1% 75.1%75.1% 72.7% 76.8%70.8% 80.2% 82.7% 80.8% 773.7% 79.6% 77.1% 76.7% 81.4%6.2% 76.4% 77.7% 75.8% 76.5% 77.2% 74.5% 79.2% 76.2% 77.4% 75.6%75.1% 78.7% 75.6% 76.0% 82.0% 63.5% 65.5% 63.5%

  12. LenderScorecard National Report Definition: This report displays all cases started in CY 2018, and of those the average calendar day timeliness between the case start date and the loan closing date. States with timeliness greater than 40 days are shown inred.

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