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LoanSafe Risk Manager™ SuiteUser Manual

2017

User Manual LoanSafe Risk Manager™

ii© 2017 CoreLogic, Inc. All rights reserved.This material may not be reproduced in any form without express written permission.

Confi dential

The recipient of this document agrees that at all times and notwithstanding any other agreement or understanding, it will hold in strict confi dence and not disclose the contents of this document to any third party and will use this document for no purpose other than evaluating or pursuing a business relationship with CoreLogic. No material herein may be reproduced, in whole or in part, by any means without the express written consent of CoreLogic. Unauthorized distribution is strictly prohibited.


© 2017 CoreLogic, Inc. All rights reserved.This material may not be reproduced in any form without express written permission.

iii

RM LoanSafe Risk Manager

FM LoanSafe Fraud Manager

CM LoanSafe Collateral Manager

Table of Contents

Welcome to LoanSafe Risk Manager™ Suite .................................................... 1

About LoanSafe Fraud Manager .................................................................................... 1

LoanSafe Collateral Manager ........................................................................................... 1

Product Availability ............................................................................................................. 1

Requesting the LoanSafe Risk Manager Suite ................................................ 2

How to Use The LoanSafe Risk Manager Suite User Guide .................. 2

Reading Your Report .......................................................................................................... 3

Report Header ...................................................................................................... 4

Report Summary ................................................................................................ 5

Scores ....................................................................................................................................... 5

Alerts and Recommendations ...................................................................... 6

LoanSafe Connect™ .......................................................................................... 6

Confi rmation of Searches Performed ........................................................ 7

Review Process .................................................................................................. 8

Borrower Real-Estate Owned (REO) Comparison ............................... 9

Property Detail ..................................................................................................... 10

Market Analysis ..................................................................................................................... 10

Subject Property Analysis ................................................................................................. 11

Most Recent MLS Listing Information .......................................................................... 11

Area Maps ............................................................................................................................... 12

Recent Subject Property Resale Summary ................................................................ 13

Subject Property Report............................................................................................ 13

Subject Sales and Loan History ...................................................................................... 14

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Nearby Properties Review........................................................................... 15

Prices for Nearby Sales ...................................................................................................... 15

Nearby Sales Summary ...................................................................................................... 15

Nearby Sales .......................................................................................................................... 16

Closest Property Records ................................................................................................. 17

Identity Detail ....................................................................................................... 18

Best Match .............................................................................................................................. 18

Other Identities Found ....................................................................................................... 19

Bankruptcy ............................................................................................................................. 19

Derogatory Lists: Borrower(s) ......................................................................................... 20

Data Verifi cation ................................................................................................................... 20

Income Detail ........................................................................................................ 21

Salary/Employer Validation .............................................................................................. 21

Employer Site Map ............................................................................................................... 21

Neighborhood Income Graph .......................................................................................... 22

Borrower Detail ................................................................................................... 23

Loan Application Summary .............................................................................................. 23

Loan Registry Search .......................................................................................................... 23

Owner Occupancy Analysis ............................................................................................. 24

Address Summary ................................................................................................................ 25

Third Party Detail ............................................................................................... 26

Nationwide Mortgage Licensing System & Registry .............................................. 26

Broker Profi le ......................................................................................................................... 26

Broker Loan Quality Summary ........................................................................................ 27

Broker Information ............................................................................................................... 27

Broker Loan Quality Details ............................................................................................. 28

Defi nitions: ...................................................................................................................... 28

Closest Loan Detail .............................................................................................................. 29

Derogatory Lists ................................................................................................................... 29

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Market Detail ......................................................................................................... 31

Five Year Price Trend Graph ............................................................................................. 31

Sales Activity Trend Graph ............................................................................................... 31

Zip Code Summary .............................................................................................................. 32

Recent Loan Detail .............................................................................................................. 32

Market Owner Occupancy Data ..................................................................................... 32

Buyers and Sellers ................................................................................................................ 33

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1© 2017 CoreLogic, Inc. All rights reserved.This material may not be reproduced in any form without express written permission.

Welcome to LoanSafe Risk Manager™ Suite

LoanSafe Risk Manager is composed of two modules—LoanSafe Fraud Manager™ and LoanSafe Collateral Manager™. Working in tandem, these solutions maximize fraud detection and minimize collateral risk—an unbeatable combination that delivers a meaningful and lasting impact on mortgage risk management practices.

Mortgage Applications

1003 andThird-Party Information

LoanSafe Risk Manager™

LoanSafeFraud Manager™

LoanSafeCollateral Manager™

Fraud Risk Score and Alerts

Collateral Risk Scoreand Alerts

About LoanSafe Fraud Manager

LoanSafe Fraud Manager detects fraud based on historical patterns of fraudulent and legitimate loans, and uses patented pattern-recognition fraud analytics to identify each loan’s potential fraud risk.

LoanSafe Fraud Manager enables you to improve productivity by utilizing the fraud risk score to drive underwriting processes, and to save time and resources by zeroing in on areas of high fraud risk. The fraud risk score predicts the likelihood of misrepresentation in the loan fi le that may lead to fi nancial loss/default. Reason codes are delivered with a high fraud risk score to help you better understand why the score is high. In addition to the fraud risk score, LoanSafe Fraud Manager delivers fraud alerts that highlight specifi c areas of concernrelating to income, employment, occupancy, undisclosed debt, identity and third parties.

Combining the fraud risk score, reason codes and alerts in conjunction with the detailed report provides comprehensive insight for quick and effi cient loan reviews.

LoanSafe Collateral Manager

The proprietary collateral risk assessment engine used by LoanSafe Collateral Manager evaluates numerous elements to deliver a clear picture of risk, including multiple relationships and comparisons between property characteristics, pricing and appraisal attributes, geographic enhancers or detractors, market volatility, levels of distress in the neighborhood, and other key collateral metrics. LoanSafe Collateral Manager reduces uncertainty, fi ghts exposure to delinquency and overvaluation risk and increases organizational effi ciency.

Product Availability

Depending on your organization’s set-up, you have three ways to request the LoanSafe Risk Manager Suite:

► Request LoanSafe Risk Manager, which will automatically deliver both LoanSafe Fraud Manager and LoanSafe Collateral Manager

► Request LoanSafe Fraud Manager only

► Request LoanSafe Collateral Manager only

The name of the product you requested will be displayed at the top of the report. If you requested LoanSafe Fraud Manager, the product name returned at the top of the report will say LoanSafe Fraud Manager.



Requesting the LoanSafe Risk Manager Suite

LoanSafe Risk Manager Input: Listed below are the required and highly recommended fi elds needed to run a LoanSafe Risk Manager report. The more information you are able to enter, the more thorough and complete the fraud analysis will be.

LoanSafe Fraud Manager Input: The same input fi elds listed below are applicable to LoanSafe Fraud Manager.

LoanSafe Collateral Manager Input: If you are only requesting LoanSafe Collateral Manager, only the subject property address and the estimated subject property value are required.

Required: Highly Suggested: ► Borrower Name and Social Security Number (SSN)

► Subject Property Address

► Estimated Subject Property Value

► Business Channel (e.g. Retail, Wholesale, Correspondent)

► Loan Number (your institution’s unique loan number associated with the LoanSafe Risk Manager report)

► Loan Purpose

► Mortgage Loan Amount

► Borrower's Years in Profession and Job

► Current Borrower Phone Number

► Borrower's Profession or Occupation

► Borrower's Monthly Income

► Borrower's Employment Type (e.g. W2, Self-Employed, etc.)

► Borrower's Employer Name and Address

► Subject Property Type (e.g. Single family Residential, Townhouse, Condominium, etc.)

► Subject Property Purpose (e.g. Primary Residence, Investment, etc.)

► Application Date

► Loan Document Type (e.g. Full Doc, Limited, No Doc, etc.)

► Loan Term and Interest Rate

► Lien Position

► LTV (Loan-to-Value)

► DTI (Debt-to-Income)

► CLTV (Combined Loan-to-Value)

How to Use The LoanSafe Risk Manager Suite User Guide

This guide serves as a single source to describe all report features contained in LoanSafe Risk, Fraud and Collateral Manager. There are icons located to the right of each section header to indicate which report(s) contain each feature.

Report Header

The product output starts with the report header section, which contains the following information:

Report Order No: Unique alphanumeric number generated by CoreLogic for each report generated. Provide this number to CoreLogic for reference and investigation.

Report Date: The date the report was generated.

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Reading Your Report

The LoanSafe Risk Manager Suite performs an integrated analysis of the property, identity, income, borrower, broker and market. Regardless of the product you requested, the output will include the following main areas of information:

► Scores: Fraud risk score and reason codes, where applicable, and a collateral risk score.

► Alerts: Fraud and appraisal review alerts that identify areas with potential inconsistencies.

► Search Summary: Summary of searches performed on the borrower and third-party loan actors. Applicable only to LoanSafe Risk Manager and LoanSafe Collateral Manager.

► Data: Grouped into six sections – Property, Market, Identity, Income, Borrower Address History and Third Party – these details can be used for further investigation.



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Report Header

The Product output starts with the report header section, which contains the following information:

► Report Order No: Unique alphanumeric number generated by CoreLogic for each report generated. Provide this number to CoreLogic for reference and investigation.

► Report Date: The date the report was generated.

► Input Echo: The remaining information you see within the report header section displays the key information you provided in the LoanSafe Risk Manager report.

REPORT INFORMATION

Report Order No. 00X000XX00X000X000000X00X0X00XX0 Report Date Jan 19, 2017 8:42PM

Subject PropertyAddress

145 S Sample Ave, , 65738

Current Address 3311 Test Dr, , 48363

LOAN INFORMATION BORROWER INFORMATION EMPLOYMENT INFORMATION

Loan Number 0123456789 Pri-Borrower Customer, Ken Employer —

Loan Purpose Purchase Pri-Borrower SSN XXX-XX-7000 Self Employed N

Broker Code / Name — / — Date of Birth — Mo. Income $0

Occupancy PrimaryResidence First Time Buyer N Job Years 0.0

Doc Type — Home Phone (000) 000-0000 Work Phone (000) 000-2000

Reported AppraisedValue

$82,000 Co-Borrower — Debt-to-Income 40%

Loan Amount $80,023 Co-Borrower SSN —

LTV / CombLTV 98% / 98% Co-Borrower Date ofBirth

—

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Report Summary

Scores

Fraud Risk Score:

The LoanSafe Fraud Manager overall fraud risk score is an empirically-derived predictive score that rank orders the risk of loanmisrepresentation leading to fi nancial loss. LoanSafe Fraud Manager screens every loan for occupancy, income, employment, identity, property, market and third party fraud risk issues. Represented graphically and numerically, the fraud risk score ranges from 1 to 999, with 1 being the lowest risk and 999 representing the highest risk.

Reason Codes

When the fraud risk score is 700 and above, up to three reason codes are generated to provide additional insight into why the loan received the score that it did. If there are more than three reason codes generated, the top three will be displayed. When the fraud risk score is lower than 700, reason codes are not displayed, as their impact would be minimal for low- and moderate-risk loans.

.FRAUD RISK SCORE: 985

REASON CODESRC_004 Borrower(s) has SSN discrepancy.RC_013 Value of subject Property very low compared to most recent primary residence.RC_024 Debt level generally associated with high risk.

Collateral Risk Score:

The LoanSafe Collateral Manager collateral risk score is an empirically-derived score that predicts the likelihood of early payment default (90+ in fi rst 12 months) and foreclosure, along with the severity of loss in the event of foreclosure, based solely on the impact of property, neighborhood and value factors. Represented graphically and numerically, the collateral risk score ranges from 1 to 999, with 1 being the lowest risk and 999 representing the highest risk.

.COLLATERAL RISK SCORE: 425

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Alerts and Recommendations

Alerts are intended to identify areas of inconsistency, allowing you to effi ciently detect fraud and collateral risk, as well as reduce the risk of repurchases.There are two categories of alerts; Fraud and Appraisal Review. Each alert has its own severity level: high, medium, or low. Alerts are explanatory, descriptive or data quality-centric. Click on an alert to be directed to the portion of the report containing the data that generated the alert for further review.

Each actionable alert is generated with a recommendation that provides guidance as to what next steps the reviewer may want to take to address and/or clear the alert. Alerts can be customized to meet your institution's needs; alerts can be turned on and off, and the severity level and recommendation can be changed.

FRAUD SCORERISK

OCCUPANCY &UNDISCLOSED

DEBT

HIGH The score indicates that this loan has a high probability ofloss due to fraudulent misrepresentation.

Perform comprehensive fraud review toidentify potential misrepresentation in theloan file.

HIGH Work phone is a significant distance from property Request proof of occupancy. Comparesubject property to current ownedproperties for inconsistencies in marketsand square footage.

HIGH Borrower, Ken - Borrower has additional loan applications ondifferent properties with other lenders in the past 120 days

Refer to Schedule of Real Estate Owned.Check credit inquiries. Did the applicationturn into a debt? Ensure all debts areincluded in DTI.

HIGH Borrower, Ken - Borrower has additional loans registered onother properties in the loan registry system within the last 120days.

Verify status of registered loans. Refer toSchedule of Real Estate Owned. Ensure alldebts are included in DTI.

HIGH Borrower, Carlie - Borrower owns one or more properties witha higher value or size than the declared owner occupiedproperty

Request proof of occupancy. Comparesubject property to current ownedproperties for inconsistencies in marketsand square footage.

MEDIUM Borrower Carlie Subject property location compared to Request written VOE with explanation

About Reason Codes And Alerts

Reason codes drive the risk score while alerts are completely independent from and do not impact the score. Several of the reason codes are the same or similar to the alerts generated within LoanSafe Risk Manager, but the logic in the generation of each may be different. Reason codes are model-based, using multiple attributes with a statistical correlation to fraud while alerts are mostly data-dependent, relying on the intuitive connection to fraud.

LoanSafe Connect™

Located just below the fraud risk score is a hyperlink to LoanSafe Connect, a web based tool that allows you to interact directly with LoanSafe Risk Manager reports, including evaluating and clearing alerts, making notations and capturing an audit trail of all actions taken in real-time, online. LoanSafe Connect allows you to work individually or collaboratively throughout the origination process while “working the fi le.”

TO CLEAR ALERTS, VISIT:https://loansafeconnect.corelogic.com/#/loans/0416221356

LoanSafe Connect is available automatically to all users of LoanSafe Risk Manager and LoanSafe Fraud Manager. The same individual end-user username and password you use to request LoanSafe Risk Manager or LoanSafe Fraud Manager will give you access to LoanSafe Connect. For more information, please contact your CoreLogic representative.

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Confi rmation of Searches Performed

The Confi rmation of Searches Performed provides a quick snapshot of the searches conducted, along with the results for each search. Borrower searches include an SSN validation, a check against various government watch lists, as well as, a search against the Mortgage Electronic Registration System (MERS) for additional loan applications. Third-party loan actor searches include a check against various government watch lists and licensing agencies, where applicable.

CONFIRMATION OF SEARCHES PERFORMED

Name/ID Name OFACFF SSN MERS NMLS ASC GSAAPLS

OtherGov’t

FreddieMac

ClientSupplied

Borrower, Carlie Borrower — — — —

Borrower, Ken CoBorrower — — — —

176XXXLoan Actor / Madeup, David Lee

— — — — —

Samples, TonetteTT — — — — —

200900XXXX Appraiser / Reed,Example C — — — — —

Road, Example Appraiser — — — — — —

Public, Carol Subject Property Owner Of Record — — — — — —

Madeup, Charles Seller Agent — — — — — —

Andger, David Borrower Lawyer — — — — — —

*Other Gov’t. HUD LDP, FHP FA SCA P Search Successful Search Failed — Search Not Applicable

Search Successful. Review Recommended

Review Comments

Enter your comments here.

Legend:

Check Mark – indicates that a search was conducted successfully and no potential issues were found

X Mark – indicates that a search failed

Exclamation Mark – indicates that a search was conducted successfully but potential issues were found and a review is recommended

Hyphen or Dash – indicates that a search was not conducted. Reason could either be a search is not applicable, such as an SSN validation search of a non-borrower participant, or that a search was not conducted because your organization is not set-up for the feature, such as a specifi c watch list is not set-up for your organization.

Letter I – indicates that a search is not conducted due to insuffi cient input information. Reasons include 1.) missing input, such as no SSN provided for the borrower; 2.) not enough input, such as only one letter provided for a fi rst name or only a one-word fi rst name or last name is provided. This reduces false positives and encourages cleaner input data to be provided.

► Name/ID: Name or license identifi cation number provided in the request for LoanSafe Risk Manager.

► Type/Onfi le Name: Role of the name provided in the request for LoanSafe Risk Manager. For license identifi cation numbers, the Onfi le Name as listed in the database checked against will also be displayed.

► OFAC: Checks against the Offi ce of Foreign Assets Control (OFAC) lists, including SDN (Specially Designated Nationals), and Consolidated Sanctions.

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► SSN: Validation of borrower’s Social Security Number.

► MERS: Additional borrower loan activity registered with MERS.

► ASC & NMLS: Checks appraisers against the Appraisal Subcommittee’s (ASC) National Appraisal Registry and mortgage loan originators against the Nationwide Mortgage Licensing System (NMLS).

► GSA EPLS: Checks against the General Services Administration’s (GSA) Excluded Parties List System (EPLS) now known as SAM Exclusions.

► Other Gov’t: Includes checks against the Housing of Urban Development’s (HUD) Limited Denial of Participation (LDP) and the Federal Housing Finance Agency’s (FHFA) Suspended Counterparty Program (SCP) lists. To verify which watch list names were screened against, review the information displayed on the lower left corner immediately below the table.

► Freddie Mac: Checks against the Freddie Mac Exclusionary List (additional contract required).

► Client-Supplied: Where applicable, checks against the watch list that your institution provided.

Review Process

Various sections within the report can be used to facilitate review of many aspects of the loan. The collateral and risk scores, along with the alerts and reason codes, can be used to move a loan through your selected review process. The desired review rate (percentage of loans sent to fraud or collateral review) will determine your risk score cut-off or threshold. In addition, the alerts and severities available within LoanSafe Risk Manager can help identify high severity concerns within your operation. These alerts can be used to help guide a holistic fraud and collateral review. Below are general review guidelines based on LoanSafe Risk Manager scores:

► If score is ≥ review rate score → escalate for fraud or collateral review

► If score is < review rate score, but high severity alert(s) display → proceed to internal policy for reviewing/clearing those alerts

► If score is < review rate score and no ‘pain point’ alert(s) display → proceed through normal underwriting procedure

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Borrower Real-Estate Owned (REO) Comparison

The Borrower REO Comparison summary identifi es high-risk transactions by comparing two sets of data:

► The standardized input borrower REO addresses – that is, the standardized address from the Schedule of Real-Estate Owned addresses disclosed in the loan application; and

► The onfi le borrower REO addresses – that is, the addresses within the Address Summary section of the LSRM or LSFM report.

Name Input REO AddressStandardized Input REO

AddressOnfile REO Address Alert ID Results

Marsupial, Mark3859 Park St32205

3859 PARK STJACKSONVILLE, FL32205

3859 PARK STJACKSONVILLE, FL32205

---

Marsupial, Mark1619 7th Av79015

1619 7TH AVECANYON, TX 79015

1619 7TH AVECANYON, TX 79015

IDP_072

Marsupial, Mark111 FakeName Street95949

--- ---IDP_069

Marsupial, Mark1516 2nd Av #4Canyon, TX 79015

1516 2ND AVE Unit 4CANYON, TX 79015

1516 2ND AVECANYON, TX 79015

IDP_070

Marsupial, Mark25 Fairmount St01852

25 FARIMOUNT STLOWELL, MA 01852

25 FAIRMOUNT STLOWELL, MA 01852

IDP_071

Marsupial, Mark123 Anystreet00000

--- --- ---

Marsupial, Mark710 FOSTER STCanyon, TX 79015

710 FOSTER LNCANYON, TX 79015

710 FOSTER LNCANYON, TX 79015

IDP_073

Marsupial, Mark --- ---2701 7TH AVECANYON, TX 79015

IDP_068

Note: Address comparison is between Onfile andStandardized. Onfile address is defined as theaddress a borrower ever-owned based on publicrecords.

Matched Current Ownership Potential Mismatch. Review Recommended

Review Recommended Insufficient Input Provided

Legend:

Depending on the scenario, one of the following icons will be returned with each address comparison:

Match: A GREEN checkmark will display if both the input and onfi le addresses match; no alert is triggered.

Review Recommended: A RED exclamation mark will display when further review is recommended. Example – Potential undisclosed REO

Insuffi cient Information: A YELLOW lowercase “i” will display if the input address is missing key geographical data, such as Street Number, Street Name, or ZIP code.

Potential Mismatch: A RED dash, which equates to a potential mismatch in data, will display if the input and standardized input address diff er from the address found onfi le. Example – onfi le address contains Unit # and the input does not.

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Property Detail

In addition to an analysis of the history of the subject property, the Property Detail section provides an analysis of the immediate market surrounding the subject property. Nearby sales are used as a market sample to identify trends within the area.

Market Analysis

The Market Analysis section uses nearby sales transactions within the last 12 months as a market sample to identify trends such as foreclosure rate, “fl ipped” property rate, appreciation/depreciation, market range, etc.

MARKET ANALYSIS

Nearby Sales : 11 Reported Appraised Value: $82,000 Rural Flag: UMax Distance: 0.31 Miles Nearby Sales High Value: $189,881 Mobile Home:Average Distance: 0.2 Miles Nearby Sales Average Value: $119,130Foreclosure Rate in Past 1 yr: 3.8% Nearby Sales Median Value: $109,566# of Foreclosures in Past 3 yrs: 2 of 11 Nearby Sales Low Value: $35,000Foreclosure Rate in Past 3 yrs: 18.2% Disaster Date:Gain on 3 yr Sale Pairs: 0% (0 of 11) Disaster Type:Change in 3 yr Loan Pairs: 29% (2 of 11) SuperFund Site:

► Nearby Sales: The number of nearby sales used to conduct the market analysis.

► Max & Average Distance: Maximum and average distance traveled to locate nearby sales.

► Foreclosure Rate in Past 1 yr: Percentage of nearby sales that have had a Trustees Deed (usually indicating a foreclosure) fi led in the past 12 months.

► # of Foreclosures in Past 3 yrs: Number of properties from the nearby sales that have had a Trustees Deed fi led in the last three years.

► Foreclosure Rate in Past 3 yrs: Percentage of nearby sales that have had a Trustees Deed fi led in the last three years.

► Gain on 3 yr Sales Pairs: Average change in value over a three-year period for “Sales Pairs” properties. Values in parenthesis are nearby sales properties that have sold two or more times in the last three years.

► Change in 3 yr Loan Pairs: Average change in value on fi rst mortgages over a three-year period for “Loan Pairs” properties. Values in parenthesis are nearby sales properties that have had two or more fi rst mortgages in the last three years.

► Reported Appraised Values: Subject property value provided in the request.

► Nearby Sales Values: The High, Average, Median and Low Nearby Sales Values represent the actual sales price of the properties, notany form of valuation.

► Disaster Date/Type: If a disaster occurred within the subject property ZIP Code within the previous 12 month period, the disaster type, name and date will be displayed.

► SuperFund Site: Identifi es if a hazardous waste site area is within 1,000 feet of the subject, as designated by the U.S. Environmental Protection Agency (EPA).

► Rural Flag: “U” indicates urban/suburban area; “R” indicates rural area.

► Mobile Home: Percentage of mobile homes within the area.

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Subject Property Analysis

The Subject Property Analysis section provides a summary of information on the subject property including whether or not the property has been through a foreclosure and/or a Notice of Default (NOD) was fi led, rate of sales gain change and if the property was sold within the last three years, or if there was potential fl ipping.

SUBJECT PROPERTY ANALYSIS

Foreclosure in Past 3 yrs: No Last Transfer Date: 09/18/2015 Land Use Code: RSFRSale Gain in Past 3 yrs: 0% Last Transfer Price: $101,402 (EST) APN: 17-21-300-XXXLoan Change in Past 3 yrs: 0% Active Notice Of Default: No

► Foreclosure in Past 3 yrs: “Yes” in this fi eld indicates that the subject property has had a foreclosure in the last three years.

► Sale Gain in Past 3 yrs: Subject property’s change in value over a three-year period, only if the subject property has had two or more sales in that timeframe.

► Loan Change in Past 3 yrs: Subject property’s change in value on fi rst mortgages over a three-year period, only if the subject property has had two or more fi rst mortgages in that timeframe.

► Last Transfer Date: Date of last recorded sales transaction on the subject property.

► Last Transfer Price: Transaction amount of last recorded sale on the subject property.

► Active Notice of Default: “Yes” indicates that the subject property is currently in an active notice of default.

► Land Use Code: County use code for subject property.

► APN: Displays the Assessor’s Parcel Number.

Most Recent MLS Listing Information

Information found in the Multiple Listing Service (MLS) database on the subject property will be displayed in the Most Recent MLS Information section. The section displays the date the property was listed, sale amount, status, type, agent and the number of photos. If no MLS information is found on the subject property, the section is not displayed.

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Area Maps

LoanSafe Risk Manager generates two area maps that display the subject property along with the nearby sales properties identifi ed, and any physical structure, such as railroad tracks and water, around the subject property.

► The subject property is indicated by an orange house icon with an “S”. ► Nearby sales are indicated by white and red bubble icons with black letters. White bubble icons indicate full value sale while red bubble icons indicate foreclosure / bank owned properties.

► Map shading in the fi rst map indicates property values within certain areas of the market. Tan shading has lower residential property value areas while green has higher residential property value areas. White indicates residential property values that are undetermined.

► The second map is a Bing® map and you can zoom in and out if using the HTML format of the LoanSafe Risk Manager report. The map displays clear street and geographic feature labels for further investigation.

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Recent Subject Property Resale Summary

The Recent Subject Property Resale Summary categorizes the subject’s recent sales as Sale Transactions and Non-Sale Transactions. The section also includes the Transaction Type, Deed Type, Last Nearby Sales Median Value, and Current Nearby Sales Median Value. The Nearby Values represent the actual sales price and not any form of valuation.

RECENT SUBJECT PROPERTY RESALE SUMMARY

Sale Transaction Non-Sale TransactionTransaction within the last 90 days Yes NoTransaction within the last 12 months Yes NoLast Transaction Date 09/18/2015 --Last Transaction Value $101,402 --Transaction Type SALE --Deed Type WRNT --Current Reported Appraised Value to Last Sales Price -19.13% --Last Nearby Sales Median Value $98,851 --Current Nearby Sales Median Value $109,566 --Last Sales Price to Last Nearby Sales Median Value 2.58% --Current Reported Appraised Value to Current Nearby Sales Median Value -25.16% --

Subject Property Report

The Subject Property Report section provides information on the subject property.

► Site Address: Physical address of the property.

► Mail Address: Address where the tax bill is sent.

NOTE: If “Mail Address” is different from the “Site Address,” it may indicate a possible owner occupancy concern.

► Current and Second Owner: Provides the name of the property’s current owners.

► Transfer Date and Price: The last sales date and sales price.

► Assessment Values: As listed in the public records.

► Subject Property Details: Provides the characteristics of the property as recorded in county records.

SUBJECT PROPERTY REPORT

Site Address: 145 S SAMPLE AVE, YOUR TOWN MO, 65738-2003Mail Address: PO BOX XXX, YOUR TOWN MO, 65738-602Current Owner: PUBLIC CAROLE ASecond Owner:

Last Transfer Date: 09/18/2015 Last Transfer Price: $101,402 (EST) Assessed Land: $3,610 Assessed Improvement: $8,300 Assessed Total: $11,910 Assessed Market: $62,700

County: Greene County MSA Name: ANYCITY, MO MSA Code: 44180 Census Block: 29.077.004802.2.008 School District: YOUR TOWN SCHOOL DISTRICT APN: 17-21-300-XXX

Legal Desc: BIRCHWOOD ESTS

SUBJECT PROPERTY DETAILS

Use Code: RSFR Building Sq Ft: Living Sq Ft: 1,124 $ Per Sq Ft: $90Lot Size: 10,800 Sq Ft (0.25 acre)Bedrooms: 3 Bathrooms: 1 Total Rooms: 5View: Improved: 70% Heating: Cooling:Tax Amount: $688 Garage : Stories: 1.0 Year Built: 1979No. of Units: 1 Pool: false Fireplace: Zoning:

SUBJECT PROPERTY SALES AND LOAN HISTORY

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Subject Sales and Loan History

The Subject Sales and Loan History section provides a historical detail of the sales and loan transactions for the subject property. The historical search will provide data as far back as the information is available. Each transaction includes the sale and recording date, transaction type, deed type, loan amount and document number. Mouse over the Transfer, the Loan/Rate and Deed acronyms to see what the abbreviation stands for. Ex: RSFR = Single Family Residence. Click on the acronym for a full description.

SUBJECT PROPERTY DETAILS

Use Code: RSFR Building Sq Ft: Living Sq Ft: 1,124 $ Per Sq Ft: $90Lot Size: 10,800 Sq Ft (0.25 acre)Bedrooms: 3 Bathrooms: 1 Total Rooms: 5View: Improved: 70% Heating: Cooling:Tax Amount: $688 Garage : Stories: 1.0 Year Built: 1979No. of Units: 1 Pool: false Fireplace: Zoning:

SUBJECT PROPERTY SALES AND LOAN HISTORYSale/Recording Date Transfer Value

1st Loan/2nd Loan

Loan/Rate

Deed/(Val. Sale) Doc. No. Transactors

09/18/15 09/21/15

SALE $101,402 $81,122$0

UNKN FIX

WRNT (EST)

000000036662 Buyer: PUBLIC CAROLE A Seller: SELLER RONNIE E & LORI M Seller2: SELLER LORI M Lender: NEW AMERICAN FNDG

08/25/12 09/28/12

STNDALNE $0 $0$15,000

2ND/SUB FIX

TRUST 000000042947 Buyer: SELLER RONNIE E Buyer2: SELLER LORI M Seller:Lender: COMMERCE BK

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Nearby Properties Review

Prices for Nearby Sales

The Prices for Nearby Sales bar chart provides an illustration depicting the distribution of prices for the most recent and relevant nearby sales. The letters at the bottom of each bar graph are associated to the same letter in the Nearby Sales section of the report.

NEARBY PROPERTIES REVIEW

PRICES FOR NEARBY SALES190K

182K 175K 172K

111K 110K 99K 96K

82K 72K 69K

35K

Recent nearby sales sorted by value from high to low. All values in thousands of dollars.Properties which have a current foreclosure, bank owned, or short sale status are shown in the lighter shade.

Full Value Foreclosure/Bank Owned/Short Sale

Median Price

110K

Nearby Sales Summary

The Nearby Sales Summary section shows an overview of each of the Nearby Sales categories: Full Value, Short Sale and Bank Owned. The data is based on the Nearby Sales data used in the Market Analysis section.

NEARBY SALES: SUMMARY

Full Value Short SaleForeclosure /Bank Owned

Property Count 10 0 1

Minimum Sales Price $35,000 $0 $69,000

Median Sales Price $110,203 $0 $69,000

Maximum Sales Price $189,881 $0 $69,000

# of 3 Year Sales Pairs No Paired Sales No Paired Sales No Paired Sales

# of Sales Pairs with Value Increasing / Average Price Increase -- / -- / -- -- / -- / -- -- / -- / --

# of Sales Pairs with Value Decreasing / Average Price Decrease -- / -- / -- -- / -- / -- -- / -- / --

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Nearby Sales

Grouped into two categories – Full Value and Foreclosures/Bank Owned/Short Sale – the Nearby Sales section provides a three-year sales and loan transaction history for the most recent and relevant nearby sales. HTML report users can choose to view the details to all of the nearby sales listed by clicking on Expand All Records. Clicking on each of the property address listed, on the other hand, will only display the details for that property.

► Includes property characteristics, ownership and deed history and mortgage history information.

► The letter to the left of each property corresponds with the letter on the Area Maps and the Prices for the Nearby Sales bar graph.

► The “Miles” column on the left represents the distance from the subject property.

NOTE: Displays data so that users can easily check for inconsistencies or unusual patterns in the market, and compare them with each other and the subject property

► Mouse over the Transaction and Deed type to view what the acronym stands for. Ex: RSFR = Residential Single Family Residence. To view a full description, click on the acronym.

NEARBY SALES: FULL VALUEExpand All Records

Miles Address Land Use Sale Date Sale ValueLivingSq Ft $/Sq Ft

0.22 1611 E FAKE LN 65738 RSFR 09/18/2015 $182,397 1,544 $118

0.06 117 S SAMPLEWOOD AVE 65738 RSFR 08/27/2015 $109,566 1,150 $95

0.31 1734 E NEIGHBOR LN 65738 RSFR 08/27/2015 $175,032 1,755 $99

0.19 110 S FAKE OAK AVE 65738 RSFR 07/29/2015 $98,851 1,430 $69

0.18 1612 E NOT YOUR ST 65738 RSFR 07/27/2015 $110,841 1,150 $96

0.24 414 OVER THE HILLS DR 65738 RSFR 07/06/2015 $189,881 1,601 $118


0.27 1404 E FAKE LN 65738 RSFR 02/23/2015 $172,193 1,540 $111


0.23 1412 E NOT YOUR ST 65738 RSFR 10/15/2014 $35,000 1,124 $31

NEARBY SALES: FORECLOSURE/BANK OWNED/SHORT SALEExpand All Records

Miles Address Land Use Sale Date Sale ValueLivingSq Ft $/Sq Ft


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Closest Property Records

The Closest Property Records section lists the closest properties to the subject regardless of the last sales date.

► To the left of the address is the distance from the subject property.

► Includes property characteristics, land use code, and sales information.

► If the property is also found within the Nearby Sales section, the letter to the right of the property in the “Map Code” column corresponds with the letter on the Area Maps, Prices for Nearby Sales bar graph and Nearby Sales section.

► A red fl ag to the left of the property identifi es a property with a current foreclosure, NOD, or bank-owned.

CLOSEST PROPERTY RECORDSDistancein Miles Address

LandUse

LotSq Ft

LivingSq Ft

SaleYear

SalePrice

AssessedValue

Bed /Bath

TotalRooms

YearBuilt

MapCode

0.01 153 S SAMPLE AVE 65738 RSFR 10,800 Sq Ft 1,124 2014 $86,733 $11,860 3 / 1 5 1979


0.01 131 S SAMPLE AVE 65738 RSFR 10,800 Sq Ft 1,124 $12,240 3 / 1 5 1979




0.02 125 S SAMPLE AVE 65738 RSFR 10,800 Sq Ft 1,150 2014 $11,740 3 / 1 5 1979






0.04 142 S DOWN TOWN AVE 460 65738 RSFR 10,800 Sq Ft 1,124 2010 $73,220 $11,820 3 / 1 5 1978

0.04 136 S DOWN TOWN AVE 65738 RSFR 10,800 Sq Ft 1,150 $11,990 3 / 1 5 1978


0.04 112 S SAMPLE AVE 65738 RSFR 13,320 Sq Ft 1,124 2013 $11,630 3 / 1 5 1979

0.04 128 S DOWN TOWN AVE 65738 RSFR 10,800 Sq Ft 1,124 2012 $61,250 $11,930 3 / 1 5 1978

0.04 105 S SAMPLE AVE G-382 65738 RSFR 13,200 Sq Ft 1,124 2003 $75,076 $11,860 3 / 1 5 1979



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Identity Detail

The Identity Detail section identifi es whether or not there are Social Security Number inconsistencies present such as deceased, invalid, multiple names, etc. The section also identifi es those Social Security Numbers that may have been randomly issued, based on the Social Security Administration’s implementation of Social Security Number Randomization on June 25, 2011.

Best Match

The Best Match section provides a snapshot of the data found for the Social Security Number.

► Identifi es if a Social Security Number appears to have been randomly issued.

► Displays the best match name based on the input name and Social Security Number, along with the date of birth if issued prior to June 25, 2011.

► Displays AKAs (Also Known As) for the borrower.

IDENTITY SUMMARY: Borrower, Carlie

BEST MATCH

Name: Carlie BorrowerSSN: XXX-XX-2213SSN Issue State: IL Approx. SSN Issue Years: 1984 - 1986

Date Reported: 10/2015Date of Birth: 04/15/1975

AKA Carlie Borrower

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Other Identities Found

This section provides information for other identities that have been linked to the Social Security Number. Potential reasons why this may occur are listed below:

► The borrower has applied for credit as other individuals in the past.

► Potential identity theft.

► There was incorrect dat entered at the time of applying for credit.

► Unknown reasons.

OTHER IDENTITIES FOUND

Other Name SSN Details AKAKen Borrower SSN: XXX-XX-7000

Date Reported: --/--/----Date of Birth: --/1945

Ken BborrowerKen BorowerKen BorrrowerKen BorrowerzKen BorrowerrKen Borrowerr SRKen BorroweerKen BustowerKen Sams Borow

Ken Borrower SSN: XXX-XX-7000Date Reported: --/--/----Date of Birth: --/1981

Can BorrowerKem BorrowerKen BorrowerKen L BorrowerKen ShenaKenrm BorrowerKin Borrower

Ken Borrower SSN: XXX-XX-7000Date Reported: --/--/----Date of Birth: --/--/----

Ken BorrowerKen Eeasley

Ken Borrrower SSN: XXX-XX-7000Date Reported: --/--/----Date of Birth: --/1946

Ken Boorower

Bankruptcy

The Bankruptcy section will populate if the borrower has fi led for bankruptcy in the past seven years.

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Derogatory Lists: Borrower(s)

The Derogatory Lists section for the borrower(s) displays the details of the watch list entity that resulted in a possible match found. LoanSafe Risk Manager’s WatchList Screening includes screening against the following watch lists.

► OFAC SDN Checks: Watch list from the Offi ce of Foreign Assets Control.

► Client Watch List: Your institution’s watch list, if provided.

► Government Watch List: Covers the HUD LDP (Limited Denial of Participation from the Dept of Housing and Urban Development), FHFA SCP (Suspended Counterparty Program list from the Federal Housing Finance Agency) and the GSA EPLS (General Services Administration’s Excluded Parties List), which is now known as SAM.gov Exclusions. The section also displays possible match results from the Freddie Mac Exclusionary List (contract required).

DEROGATORY LISTS: Borrower, KEN

Possible OFAC Match: No matches found

Government Watch ListLoanSafe's EPLS does not include OFAC records. For OFAC screening results, see the corresponding LoanSafe OFAC section.

Source Category MatchType

NameMatched

Reversed AddressMatched

Severity

No matches found

Data Verifi cation

The Data Verifi cation section compares borrower-reported data (input data) to data found through credit header and/or reverse phone look-up.

DATA VERIFICATION: Borrower, Ken

BORROWER DATA VERIFICATION

SSN TRACE BORROWER REPORTED DATA VERIFIED RESULTS STATUSDate of Birth 10/18/1977 10/18/1977Month/Year of Birth 10/1977 10/1977AddressCity, State Zip

2347 IMAGINARY CTMOUNTAIN VIEW, CA 94043

2347 IMAGINARY CTMOUNTAIN VIEW, CA 94043

REVERSE PHONE LOOKUP: (916) 555-5555Name KEN BORROWER ,Address 2347 IMAGINARY CT

MOUNTAIN VIEW, CA 94043—

Matched Not Matched No Entry/Unable to Verify

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Income Detail

The Income Detail measures the reasonableness of the borrower’s reported income and provides data specifi c to the employer and the borrower’s past residences.

Salary/Employer Validation

The Salary/Employer Validation section provides a reverse phone look-up search on the input employer data provided in the request.

SALARY/EMPLOYER VALIDATION: Borrower, Carlie

EMPLOYER DATA VERIFICATION

EMPLOYER TRACE BORROWER REPORTED DATA VERIFIED RESULTS STATUSCompany Matched: CoreLogic INTELArea Code Matched: (916) (916)Phone Matched: 555-5555 555-5555AddressCity, State Zip

—RANCHO CORDOVA, CA 95670

1900 SAMPLE CITY RDFOLSOM, CA 95630

Cell Phone: — —Employees — 500Industry — COMPUTER & EQUIPMENT

DEALERS

OVERALL ANALYSIS: Employer Did Not Match

Matched Not Matched No Entry/Unable to Verify Employer Information

Employer Site Map

The Employer Site Map provides a satellite photo of the employer’ site address, displays the calculated distance between the employer and the subject property address, along with the property’s land use code.

EMPLOYER SITE MAP

LOCATION: INTEL (1508.9 miles from subject property) USE CODE: MGOV

Microsoft Privacy

700 miles

© 2016 Microsoft Corporation Image courtesy of NASA

700 miles

© 2016 Microsoft Corporation Image courtesy of NASA

Road Aerial Labels

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Neighborhood Income Graph

The Neighborhood Income Graph provides a visual representation of the neighborhood income levels and occupancy patterns of the borrower’s past residences in relation to the borrower’s stated income or input borrower income.

► The Estimated Income line at the top of the graph represents the estimated median income level for the neighborhood residences.

► The Years listed on the left represents the year the borrower lived in that area.

► Each bar graph is displayed with the city /state / zip code and land use code of where the borrower has lived.

► Stated income represents the borrower’s reported income—the input income provided in the request.

NEIGHBORHOOD INCOME GRAPH

Estimated Income

Year 17K 34K 51K 68K 85K 102K 119K 136K 153K 170K

2006

2007

2008

2015

2015

2015

2015

2015

Subject

Borrower Co-Borrower Subject Stated Income

Bar values reflect neighborhood incomes of borrower's past residences.

Insufficient salary reports to plot Validated Income Range.

Click here for a land-use code definition guide.

BAYONNE, NJ 07002-2224RSFR

LIVERMORE, CA 94551-6187RSFR

PHILADELPHIA, PA 19144-3654RAPF

KELLER, TX 76248-5486RSFR

IRVINE, CA 92620-2725RSFR

PASADENA, CA 91107-3551RSFR

OAKLAND, MI 48363-2709RSFR

MOUNTAIN VIEW, CA 94043-2743RSFR

YOUR CITY, MO 65738-2003RSFR

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Borrower Detail

The Borrower Detail section measures the borrower’s past homeownership patterns and analyzes the potential for misrepresentation of occupancy.

Loan Application Summary

The Loan Application Summary provides information relevant to potential undisclosed mortgage debts by detecting if a borrower’s Social Security Number is associated with other or the same property addresses within the last 120 days for other or the same lender.

► Lender Activity – Different Address: Other or different property addresses within the Lender’s (your institution) book of business.

► Lender Activity – Same Address: The same property address (the input subject property address) within the Lender’s book of business.

► Other Lender Activity: Other lender activity with other addresses across the industry.

LOAN APPLICATION SUMMARY: CUSTOMER, KEN

SUBJECT PROPERTY ADDRESS: 301 W 137TH ST,NEW YORK NY 10030

LENDER ACTIVITY - DIFFERENT ADDRESSNo other loan activity found.

LENDER ACTIVITY - SAME ADDRESSNo other loan activity found.

OTHER LENDER ACTIVITY

ActivityDate

BorrowerName

PropertyAddress

LoanStatus

Jul 15, 2015 KEN CUSTOMER 13650 NW 8TH ST SUNRISE, FL, 33325 ApplicationOct 8, 2015 KEN CUSTOMER 123 NEW HOME DR CHANTILLY, VA, 20151 ApplicationSep 18, 2015 KEN CUSTOMER 4 HUDSON IRVINE, CA, 92620 ApplicationOct 16, 2015 KEN CUSTOMER 132 N BERKELEY AVE PASADENA, CA, 91107 Application

Loan Registry Search

The Loan Registry Search uses data from the Mortgage Electronic Registration System (MERS®) database to determine if a borrower is linked to additional addresses. Records found with a note date within last 120 days will be highlighted in blue.

LOAN REGISTRY SEARCH: CUSTOMER, KEN

NoteDate

BorrowerName Address Status

AlertDate

09/23/2015 KEN CUSTOMER 10655 BIRCH ST BURBANK, CA 91502 RegistrationReversal11/04/2015

Orig Loan Amt: $250,000 Servicer: SIRVA Mortgage MIN#: 100038415000000012

09/01/2015 JOSE ESPINOSA TAVITAS 1205 WHISPERING OAKS DR KELLER, TX76248

Active 11/04/2015

Orig Loan Amt: $296,000 Servicer: Stearns Lending, LLC. MIN#: 101283100003969138

01/17/2015 KEN CUSTOMER 10655 BIRCH ST LOS ANGELES, CA 91502 RegistrationReversal

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Owner Occupancy Analysis

The Owner Occupancy Analysis section indicates potential inconsistencies related to borrower home ownership.

► Outlines the number of properties ever-owned or currently-owned by the borrower and whether the borrower is the current owner of the subject property.

► Compares the median value of the subject property vs. the median value of the “likely residence” (highest median value of currently-owned home).

► Compares the square footage of the subject property vs. the square footage of “likely residence” (largest property currently-owned).

► Determines the differences in value and square footage.

OWNER OCCUPANCY ANALYSIS: Borrower, Carlie

OWNER OCCUPANCY

Properties Ever Owned: 1 Properties Currently Owned: 1 Owner of Subject Property: No

Nearby Sales Median Value - Subject Property: $109,566 Sq Footage - Subject Property: 1,124Nearby Sales Median Value - Likely Residence: $345,000 Sq Footage - Likely Residence: 4,163Value Direction: DOWN Square Footage Direction: DOWNValue Shift: ($235,434) Square Footage Shift: -3,039

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Address Summary

The Address Summary section provides the addresses that the borrower has used to apply for credit, allowing users to look for unusual activity, such as transient behavior patterns, fl ipping, foreclosures, etc.

Property information, such as whether or not the borrower currently- or previously-owned the property, the current owner names, land use code and the sales history is displayed with each address.

► Section Functionality: Mouse over the land use code to view what the acronym stands for; click on it to get the full description. To view the details to all of the addresses listed, click on the Expand All Records link; to view details for only one of the addresses, click on the address.

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Third Party Detail

The Third-Party Detail section provides information on any loan participant aside from the borrower. In addition to the information returned by the WatchList Screening feature, the section displays the broker’s book of business across the industry, as well as his or her business specifi c to a lender. This helps you measure the mortgage broker’s past origination risk.

Nationwide Mortgage Licensing System & Registry

LoanSafe Risk Manager can provide a mortgage broker and loan offi cer search against the National Mortgage Licensing System (NMLS) database. The search is conducted using the NMLS ID. However, if the NMLS ID is not available the search can also be conducted using the broker’s code, broker’s name and location and the loan offi cer fi rst and last name. The section will include which search method was used in the fi rst column.

NATIONWIDE MORTGAGE LICENSING SYSTEM & REGISTRY

NMLS State License Search

Results filtered by the following states:Subject Property: MO Borrower Address #1: MI Borrower Address #2: CA Broker Input Address: CA

SEARCHED BYNAME / ADDRESS

NMLS ID / LICENSE(S)#

REG.STATE

STATUS /DATE MESSAGE

NMLS ID:176XXX

DAVID LEE MADEUP /

—

176XXX/ — — NOLICENSE INFILTEREDSTATE

Loan Officer:TONETTE SAMPLES

TONETTE CAPRI SAMPLES /582 NO NAME PARKWAY, SUITE300VIRGINIA BEACH VA, 23452

327XXX/ — — NOLICENSE INFILTEREDSTATE

NMLS Federal Registration Search

SEARCHED BYNAME / ADDRESS NMLS ID REG.

STATUS /DATE

MESSAGE/EMPLOYER

NMLS ID:176XXX

DAVID LEE MADEUP /

—

176XXX — — NO FEDERALREGISTRATIONFOUND

Loan Officer:TONETTE SAMPLES

TONETTE CAPRI SAMPLES /582 NO NAME PARKWAY, SUITE300VIRGINIA BEACH VA, 23452

327XXX FEDERALRESERVE

ACTIVE /— UNION

MORTGAGEGROUP, INC.

Broker Profi le

Available to institutions a mortgage broker submit the loans to, the Broker Profi le section provides information on the mortgage broker, including a satellite photo of the broker’s address, and reverse phone look-up details. The section also provides a list of “Brokers With the Same Address or Phone Number.” This can help to identify if the broker has changed names multiple times.

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Broker Loan Quality Summary

This section summarizes the broker’s book of business in relationship to what has been submitted to a lender’s organization vs. the rest of the industry.

► Collateral Risk Measure (CRM) uses a collateral risk analytic to measure the typical loans the broker submits

♦ Determine the difference between the riskiness of business that is submitted to your organization vs. the industry

♦ Use the risk bars to interpret the data.

► Loan Count

♦ All Lender is the number of loans the broker has submitted to the lender’s organization in the last 12 months

♦ Broker’s Loan Across Industry measures the reliability of the industry level score provided based on the quantity and quality of the data sample. Possible ratings include Fair, Good and Excellent.

Broker Information

This section provides broker specifi c information including satellite photo of address, and reverse phone look-up details.

► Also provides a list of “Brokers with the same address or phone number”. This can help to identify if the broker has changed names multiple times.

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Broker Loan Quality Details

This section provides additional detail for the broker.

► Review the risk bars to interpret the data

► Top fi eld is what the broker submits to the industry (All Known Loan Applications)

► Bottom fi eld is what the broker submits to your organization (Lender Name Loan Applications)

Defi nitions:

► % Loans with High Collateral Risk: Percentage of loans that the broker has submitted that fall into the high risk category.

► Market Comparability Index: Measures the broker’s book of business in comparison to the risk of the markets that he or she does business in.

► Avg Market Foreclosure Rate: Average market foreclosure rate for broker’s submitted loans within the past 12 months.

► Appraised Value Range: Typical appraised value range for broker’s submitted loans within the past 12 months.

► Avg Appraised Value: Average appraised value for broker’s submitted loans within the past 12 months.

► Appraised Values Compared to Market: Measures the broker’s propensity to appraise above or below the markets that he or she does business in.

► Loan Values Compared to Market: Measures the broker’s propensity to lend above or below the markets that he or she does business in.

► Loan-To-Market Value Ratio: Measures the average loan to market value for broker’s submitted loans within the past 12 months.

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Closest Loan Detail

Provides loan level detail on up to 20 of the broker’s most recently submitted loans to your organization.

► Intended to provide a detailed picture of the broker’s loan submission activity with your organization.

BROKER'S NEARBY LOANS

CLOSEST LOAN DETAILExpand All Records

Miles Address Date App AmtMarket

Variance

FraudRiskScore Status

0.04 123 RIVER BEND PLSOMEWHERE, MN 99999

12/09/2014 $154,000 ($7,250) 448 Application

2.41 1599 SUMAC CIR UNIT ECARVER, MN 55315

12/08/2014 $170,000 ($106,500) 647 Application

2.47 1996 SCHOOLMASTER DRSOMEWHERE, MN 99999

12/07/2012 $347,500 $174,500 608 Application

2.73 1761 STONE CTSHAKOPEE MN 55379

12/05/2014 $158,000 ($15,000) 253 Application

Derogatory Lists

Similar to the WatchList Screening feature for the borrower, the Derogatory Lists section within the Third-Party Detail section screens third-party (not the borrower) loan participants or actors against the following watch lists.

DEROGATORY LISTS

Government Watch ListLoanSafe's EPLS does not include OFAC records. For OFAC screening results, see the corresponding LoanSafe OFAC section.

Actor Source Category MatchType

NameMatched

Reversed AddressMatched

Severity

Broker EPLS EXCLUDE FULLNAME Y N N MEDIUM

LENDER REPORTED DATA WATCH LIST RESULTSName MADEUP, DAVID LEE MADEUP, DAVIDStreet — —City, State, Zip — Nashville, MI 49073


LENDER REPORTED DATA WATCH LIST RESULTSName MADEUP, DAVID LEE MADEUP, DAVID LStreet — —City, State, Zip — Lorton, VA 22079


LENDER REPORTED DATA WATCH LIST RESULTSName MADEUP, DAVID LEE MADEUP, DAVID LStreet — —City, State, Zip — Renonda, AZ 85018

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► Client Watch List: Your institution’s watch list, if provided.

► Government Watch List Covers the Following:

♦ HUD LDP (Limited Denial of Participation from the Dept of Housing and Urban Development)

♦ FHFA SCP (Suspended Counterparty Program list from the Federal Housing Finance Agency)

♦ GSA EPLS (General Services Administration’s Excluded Parties List), which is now known as SAM.gov Exclusions

♦ Freddie Mac Exclusionary List (contract required).

► OFAC SDN Checks: Watch list from the Offi ce of Foreign Assets Control.

* Check can be done on any third-party/loan actor if submitted – i.e. Brokers, Appraisers, Loan Officers, Account Executives, Account Managers, Title Officer, Notary, etc. Input field is free-form entry that allows user to enter the loan participant’s information.

Possible OFAC Match

Input Name MADEUP, CHARLES (Seller Agent) Match Type FULLNAME

List/Program SDN OFAC Entity # 8299Name MADEUP, CHARLES GhankayDate Of Birth Sep 1, 1947 Place Of Birth —AKA Some, Jean-PaulAKA Sone, Jean-PaulAKA MADEUP, CHARLES MacarthurRemarks FORMER PRESIDENT OF LIBERIA

Input Name MADEUP, CHARLES (Seller Agent) Match Type FULLNAME

List/Program SDN OFAC Entity # 8300Name MADEUP, CHARLES (Junior)Date Of Birth Feb 12, 1978 Place Of Birth —AKA "Chuckie"Remarks ADVISOR AND SON OF FORMER PRESIDENT OF LIBERIA CHARLES MADEUP



Market Detail

The Market Detail section identifi es different pricing trends within the subject property’s broader market.

Five Year Price Trend Graph

The graph illustrates prices for the market surrounding the subject property over the course of the last several years, based on closing sale prices. The bars in this graph represent the percent value shift (+/−) compared to the beginning of the fi ve year cycle.

5 YEAR PRICE TREND

This graph illustrates prices for the market surrounding the subject

property over the course of the last several years, based on closing

sale prices.

Sales Activity Trend Graph

This section provides a look at sales trends including time on market and inventory. A graph description is located directly on the report for more detail.

SALES AND FORECLOSURE ACTIVITY TREND

This graph illustrates the number of sales and foreclosures

over time for the market surrounding the subject property.

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Zip Code Summary

The Zip Code Summary section compares the risk of the ZIP Code of the subject property for loans submitted industry-wide, and by your organization specifi cally within the past 12 months.

ZIP CODE SUMMARY

Participant Loan Count

CollateralRisk Measure

(CRM) Lowest Risk Highest Risk

All Industry Loans in Zip Code Excellent Reliability 1.27Only Lender's Loans in Zip Code

Recent Loan Detail

The Recent Loan Detail section outlines the most recent loans submitted by your institution within the subject property’s ZIP Code in the last 12 months.

Market Owner Occupancy Data

Market data provides census tract information, including:

► Owner occupancy vs. renter occupancy for each census block.

► Percentages of single family residences, multi units and large complexes.

► Average values for each block.

MARKET OWNER OCCUPANCY DATA

Average Value Minimum Value Maximum Value Median Value

$85,014 $74,611 $122,125 $78,323

Miles UnitsOwnOcc

RentOcc SFR

Mult2-9

Mult10+

AvgRms

AvgVal Miles Units

OwnOcc

RentOcc SFR

Mult2-9

Mult10+

AvgRms

AvgVal

0.06 76 92% 8% 100% 0% 0% 5.5 $77,952 0.27 45 100% 0% 100% 0% 0% 5.2 $77,767

0.07 83 88% 8% 100% 0% 0% 5.5 $77,581 0.29 56 83% 13% 100% 0% 0% 5.5 $81,293

0.09 69 84% 12% 100% 0% 0% 5.3 $79,437 0.3 67 92% 0% 100% 0% 0% 5.3 $75,911

0.12 77 100% 0% 100% 0% 0% 5.3 $75,725 0.3 271 95% 2% 100% 0% 0% 6.2 $117,114

0.17 389 91% 7% 99% 1% 0% 5.4 $77,395 0.32 8 75% 0% 100% 0% 0% 5.3 $78,880

0.18 80 96% 4% 100% 0% 0% 5.3 $77,210 0.35 54 89% 11% 100% 0% 0% 5.7 $105,792

0.19 39 100% 0% 100% 0% 0% 5.4 $80,922 0.36 71 100% 0% 100% 0% 0% 5.2 $74,611

0.22 310 97% 2% 100% 0% 0% 5.1 $78,323 0.42 56 96% 4% 100% 0% 0% 5.8 $87,232

0.22 89 84% 9% 97% 3% 0% 5.3 $76,467 0.49 58 91% 4% 100% 0% 0% 5.8 $100,595

0.24 71 83% 17% 100% 0% 0% 5.4 $77,952 0.5 133 61% 33% 79% 21% 0% 5.5 $122,125

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Buyers and Sellers

The Buyers and Sellers section provides the list of buyers, sellers and lenders involved in the nearby sales transactions.

► The Transfer column gives you a quick glance of which transactions were Trustees Deeds (TRSTE), Inter Family Transfer (FAM), or Notice of Default (NOD).

► Look for patterns such as multiple transactions in the neighborhood by the same buyer/seller.

► Look at who is lending on properties in this market and if there appears to be creative fi nancing occurring.

BUYERS AND SELLERS

Buyer/2nd Buyer Seller/2nd Seller Lender Deed Transfer Price YearMapCode

LOOPHOLE LAUREN MANAGER MARK & SANDY/ MANAGER SANDY

PRIME LNDG WRNT SALE $109,566 2015

LEFTHAND NORMAN E/ LEFTHAND LINDA K

GREEN JAMES W JR TRUST STONEGATE MTGCORP

WRNT SALE $175,032 2015

MANAGER MARK/ MANAGER SANDY

SOUTHLAW PC / BYRD CAROLLI

MANAGER JANICE MTRUST (PT)

TRSTE T/FRCL $61,000 2015

KANGAROO KYLE DISTINCTIVE PROPERTIES LLC FLAT BR MTG INC WRNT SALE $95,535 2014

FOSTER ANGELA R NONAME HARVEY J & JONI J/ NONAME JONI J

DAS ACQUISITIONCO LLC

WRNT SALE $98,851 2015

LASTNAME MATT D/ LASTNAME TAMARA R

MAY JERRY C & DELLA M / MAYDELLA M

FLAT BR MTG INC WRNT SALE $189,881 2015

GREEN JAMES W JRTRUST

FAR SIDE ROBERT & DORIS/ FAR SIDE DORIS

WRNT SALE 2013

ATOM ADAM D / ATOMKARI

JP MORGAN CHASEBK NA

APPT NOD 2014

HAILSTORM LUANNA K WOOD PATRICIA A DAS ACQUISITIONCO LLC

WRNT SALE $110,841 2015

DUDE DAMON K JONES BRANDON & CORTNEY E/ JONES CORTNEY E

EQUITABLE MTG WRNT SALE $182,397 2015

JP MORGAN CHASE BKNA

SOUTH & ASSOCIATES PC/ ATOM ADAM D & KARI

TRSTE T/FRCL $60,800 2014

SPICES MICHAEL A/ SPICES ERICA F

BUS STOP SHAWN P TRUST;+ LIBERTY BK WRNT SALE $172,193 2015

TACO TABATHA A JP MORGAN CHASE BK NA FLAT BR MTG INC SWRNT REO $69,000 2015

MARRIED DAVID G/ MARRIED JOSLYN M

WHITE OAK HOLDINGS LLC CARRINGTON MTGSVCS LLC

WRNT SALE $72,142 2015

WHITE OAK HOLDING LLC LIBERTY BK TRUST STNDALNE 2014

WHITE OAK HOLDING LLC LIBERTY BK TRUST STNDALNE 2014

WHITE OAK HOLDINGSLLC

PUTTER GAYLIA QUIT SALE 2015


JENGA JERRY & ELIZABETH/ JENGA ELIZABETH

QUIT SALE 2015


DUCK DONALD & DIANE / DUCKDIANE

QUIT SALE 2015


MAGAZINE MAXINE L PREP SALE $35,000 2014

WOOD PATRICIA A MIDWEST LNDNG TRUST STNDALNE 2013

RM FM CM


corelogic.com

About CoreLogic

CoreLogic (NYSE: CLGX) is a leading global property information, analytics and data-enabled services provider. The company’s combined data from public, contributory and proprietary sources includes over 4.5 billion records spanning more than 50 years, providing detailed coverage of property, mortgages and other encumbrances, consumer credit, tenancy, location, hazard risk and related performance information. The markets CoreLogic serves include real estate and mortgage fi nance, insurance, capital markets, and the public sector. CoreLogic delivers value to clients through unique data, analytics, workfl ow technology, advisory and managed services. Clients rely on CoreLogic to help identify and manage growth opportunities, improve performance and mitigate risk. Headquartered in Irvine, Calif., CoreLogic operates in North America, Western Europe and Asia Pacifi c. For more information, please visit corelogic.com.

CoreLogic40 Pacifi ca, Ste. 900Irvine, CA 92618

FOR MORE INFORMATION, PLEASE CALL 866.774.3282

© 2017 CoreLogic, Inc. All rights reserved.

CoreLogic, the CoreLogic logo, LOANSAFE RISK MANAGER, LOANSAFE FRAUD MANAGER and LOANSAFE COLLATERAL MANAGER are trademarks of CoreLogic, Inc. and/or its subsidiaries.

All other trademarks are the property of their respective holders.

19-LSRMUG-0317-02

http://www.corelogic.com

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