Discover the CCM Difference

1. WE’RE
EXPANDING
IN YOUR
MARKET

2. why top performing
branches and loan
originators are making
the move.
DISCOVER

3. ABOUT
MORE THAN A MORTGAGE: WE LEAD FROM THE FRONT
CrossCountry Mortgage serves our customers with a high-energy
team of professionals who bring deep experience in each member’s
specific expertise and a passion for the business of mortgage lending.
We help our customers find the best loan to achieve their home
financing goals. Our sales teams are empowered to make smart
decisions and leverage innovative technologies that keep borrowers
and referral partners informed throughout the loan process.
CrossCountry Mortgage, Inc.
■ Headquartered in Ohio
■ National branch platform
■ Founded in 2003 by Ronald Leonhardt, Jr.
■ Privately owned, no institutional ownership
■ P&L model
■ Approved seller/servicer for Fannie Mae,
Freddie Mac and Ginnie Mae
■ Accredited by the Better Business Bureau
■ Servicing portfolio
■ Licensed in 50 states
■ Winner of numerous awards for growth,
innovation, and employee satisfaction
1700EMPLOYEES
& GROWING
+

4. OUR
LEADERSHIP
Recognized on the Inc.
5000 List of America’s
Fastest-Growing Private
Companies each year
since 2012.
CrossCountry Mortgage continues
to live out our promise of delivering
more than a mortgage to both our
customers and our employees.
Ronald J. Leonhardt, Jr. is the founder and sole owner of CrossCountry Mortgage,
founded in 2003. He currently serves as its President and Chief Executive Officer.
Mr. Leonhardt, a top producer, originated loans until 2013. Under his leadership,
the company has grown in size, footprint and market share year over year.
He has assembled a leadership team with in-depth industry experience that
facilitates and prioritizes a sales-friendly culture — a core value for the organization.
They lead from the front, and get the job done. This shared core philosophy
drives the stability, evolution and continual growth of the company.
The leadership team embraces transparency, using technology, real-time data
and reporting to make data-driven decisions to decrease cycle times, optimize
platforms and compete in the market.
The team drives an entrepreneurial, forward-looking and collaborative culture that
evolves to stay ahead of ever-changing technology and the needs of the marketplace.

5. BRAND
PILLARS
ENTREPRENEURIAL SPIRIT
Our sales teams make the difference at CrossCountry Mortgage —
with the freedom to drive branch performance and share new
thinking and ideas with company leadership. We offer collaboration
without bureaucracy.
INNOVATIVE TECHNOLOGY
Your sales team can count on CrossCountry Mortgage to help you
close loans faster and with less hassle through new technologies
that streamline the loan process, drive operational efficiency, enhance
communications and provide reliable support.
UNLIMITED OPPORTUNITIES
You can grow your branch with unlimited potential for volume
and revenue, confident in CrossCountry Mortgage’s unwavering
commitment to your business with sales coaching, marketing
platforms, back office support and 21-day close best practices.
EXCEPTIONAL EXPERIENCE
You can trust CrossCountry Mortgage to provide a streamlined
origination platform and processes to close loans in 21 days or
less, transparent reporting on your achievement and efficient,
unwavering support that allows you to focus on what you do best:
originating loans, building relationships and growing your business.

6. CrossCountry
Mortgage commits
to make every
interaction between
our team, our business
partners and our
borrowers a positive
and productive
experience.

7. TOP ORIGINATORS
Around the country are joining…
Scott Evans $ 175,876,379
Rodrigo Ballon $123,096,863
James Thamann $ 85,792,370
George Koutsos $ 68,539,921
Jeffrey Palermo $ 67,887,044
Kevin Potter $ 46,656,761
Anthony Dobbert $ 46,189,483
Peter Tibaldi $ 45,447,128
Derrick Strauss $ 42,963,639
Adam Workman $ 42,329,971
2016
TOP 10
LOs
by volume and
winner of a trip to
Turks and Caicos

8. A COMPETITIVE &
COLLABORATIVE
CULTURE
More than a mortgage:
We compete. Branch managers and loan
originators are encouraged to participate
in our National Sales Contests:
■ Monthly contests — Our top 10
producers are rewarded.
■ Quarterly contests — In the CrossCountry
Mortage Bracket Challenge, the top 64
originators battle for $20,000 in
commissionable earnings and other prizes.
■ Annual contest — Our top originator
is rewarded with a one-year lease
of a premium automobile.
■ Annual contest — Originators who
exceed a target volume goal on an
annual basis are eligible to win a
prize. The 2017 reward is a sales
incentive trip to the Four Seasons
in Costa Rica for the loan originator
and a guest.

9. SECONDARY — CORRESPONDENT INVESTORS
Recreated LOGO
SECONDARY — BROKER INVESTORS
INVESTORS

10. RANKED NUMBER ONE AGAINST OUR PEERS FOR LOAN CYCLE TIME
■ We close loans in as few as 21 days — in November 2016,
the industry average closing time was 42 days.
■ We’ve been ranked number one out of 19 lenders of similar size
by Ellie Mae for cycle times (application to funding).
■ We’ve been ranked number one out of 11 lenders by BI provider
Motivity Solutions for cycle times (application to funding).
BUYERS COMPETE IN THE MARKET WITH
OUR FASTTRACK CREDIT APPROVAL
With our FastTrack Credit Approval process,
customers can clear conditions while shopping
for their home. We can close loans in as few as
10 days after a purchase agreement is signed.
INDUSTRY-LEADING
CYCLE TIMES
More than a mortgage:
FULL PRODUCT LINE
■ Agency adjustable and fixed
rate mortgages
■ FHA, FHA 203(k) and
FHA Limited 203(k) streamline
(in-house UW)
■ HARP refinance
■ Reverse mortgage
■ USDA rural home loans
■ VA and VA IRRRL home loans
■ Broker relationships —
niche products
■ W2 validation program
■ Non-QM products

11. ■ 21-day close model
■ Underwriting turn times — 48 hours or less
■ No minimum credit score with Approve/Eligible
AUS findings
■ Escrow hold backs (additional restrictions apply)
■ Dedicated underwriting for all products
■ Loan scenario and underwriting help desk
■ LoanBeam — self-employment income analysis tool
UNDERWRITING
21-DAYCLOSEMILESTONETIMELINE
Day 1 Qualification
Day 2
Day 3 Borrower to provide POS documents
Day 4
Day 5
Day 6
Day 7 Processing
Day 8 Submittal/received in underwriting
Day 9
Day 10 Initial review
Day 11 Underwriting conditions called out to borrowers
Day 12
Day 13 Borrower provides requested conditions
Day 14
Day 15
Day 16
Day 17 Resubmittal
Day 18 Approval
Day 19 Closing request
Day 20 Documents out
Day 21 Document signing/funding
■ Milestone ■ Action

12. Would you like to know every residential loan that
closes in your market? Every real estate transaction
by every loan agent?
You will at CrossCountry Mortgage! We’ll provide
you with competitive data to give you the insight you
need to recruit LOs and compete in your market.
More than a mortgage:
WE’VE GOT
THE DATA
TECHNOLOGY AND PLATFORMS
■ AMB — real-time accounting software
■ Encompass 360 — LOS
■ Optimal Blue — pricing engine
■ Velocify CRM — call centers
■ LoyaltyExpress CRM — retail branches
■ Salesforce CRM and enterprise
platform (rollout 2018)
■ Encompass WebCenter — turnkey
branch websites with LOS sync
■ AllRegs
■ CCMMarketingStore.com
■ Absorb — learning management system
■ Social Studio (Salesforce
social media platform)

13. DATA-DRIVEN
DECISIONS
More than a mortgage:
EDGE DESKTOP REPORTS
■ Production Summary
■ Origination Pipeline Manager
■ Loan Officer Scorecard
■ Branch Scorecard
■ Processor Scorecard
■ Sales Contest Results
■ CrossCountry Mortgage
Funded Map
REAL-TIME DATA AND TECHNOLOGY
MOBILE EDGE REPORTS
■ Production Summary
■ Active Pipeline Summary
■ Pipeline Alerts
■ Loan Tracker 2Go
■ CrossCountry Mortgage
Funded Map

14. SOLID AND
CUSTOMIZED
TRANSITION
PLAN
More than a mortgage:
TRANSITION: ONBOARDING
TAILORED TO YOUR BRANCH
■ Transition team to manage your
onboarding process
■ Customized onboarding based
on branch structure
■ Origination and processing support
■ Pre-onboard meetings designed
to increase efficiency and transparency
■ 50 state coverage for transition files
■ Training for multiple branch roles
Work with a dedicated onboarding team to establish
your location, lease, equipment and transition.
Our onboarding team will work with you to create
a custom plan tailored to your group.

15. MARKETING
SUPPORT
■ Full in-house marketing team capable of running
marketing through all channels
■ Fahlgren Mortine — one of the nation’s largest
full service marketing and communications agencies
■ Branch websites
■ Turnkey online store offering customizable print
and merchandise, stationery and event materials
■ Lead generation campaigns
■ Strategic and creative support for marketing
and advertising
■ MSA platform for building strategic relationships
■ Personalized email, newsletter, market update and
direct mail campaign automation
■ Event support
■ Easy access to corporate marketing team through
support portal for all requests
■ Co-branded materials and campaigns through all channels
■ Automated social media support through Social Studio
Salesforce software

16. MEET YOUR
IN-HOUSE
MARKETING
AGENCY
With talented designers, writers, digital and marketing
automation specialists, the Corporate Marketing team
can take your marketing efforts to the next level.
99%
positive customer service
level satisfation from
branch network
8,000custom marketing requests
(through 10/17)
marketing
team
members18
160+
print marketing materials
available 24/7 in online store
101on-demand/custom
merchandise items
available 24/7
<2 DAYSaverage turn time
for custom requests
endless
opportunity
custom requests

17. BRANCH
ONLINE
PLATFORMS
Our website platform provides your borrowers
with a seamless online application experience.
LOs will receive applications in the Encompass
loan mailbox quickly and easily. The design
can be customized, and if you already own
a domain, we will assist you in transitioning it.
We also deliver custom landing pages tailored
to campaigns.

18. SALESFORCE
SOCIAL STUDIO
Powered by Salesforce, the Social Studio
platform allows you to both understand
and automate your social media activities.
Take advantage of our extensive content
library with hundreds of turnkey posts
to supplement your Facebook timeline.
Targeted Facebook advertising campaigns
are also available.

19. LEAD GEN
PLATFORMS
& SUPPORT
Our consumer direct team can assist you
in lead procurement, direct mail, lead
management, online lead generation,
Zillow co-marketing, live lead transfers,
internet leads, and more. Custom campaigns
can also be created with targeting and analytics.

20. HR
BENEFITSOverview
HEALTH
■ Medical
■ Dental
■ Health Savings Account (HSA)
■ Vision
FINANCIAL
■ Competitive compensation
■ Sign-on bonuses available
■ Flexible Spending Account (FSA)
■ 401(k) — 50% match up to 6%
eligible compensation
■ Deferred compensation plan
UNUM BENEFITS
■ Short-term disability
■ Voluntary products
■ Life insurance
■ Critical illness
■ Accident
■ Long-term disability
PTO
■ Holidays
■ Vacation
■ Personal

21. Brent Eckhardt
Executive Vice President, Western U.S.
Direct: 925.478.7859
Mobile: 831.566.0022
brent.eckhardt@myccmortgage.com
CrossCountry Mortgage, Inc.
1676 N. California Boulevard, Suite 600
Walnut Creek, CA 94596
NMLS1256207
NMLS1553210
NMLS495011
All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, Inc. is an
FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.
Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity.
Branch NMLS1640418
INTERESTED
IN JOINING
OUR TEAM?