Build Scalable Mortgage Business with Direct-to-Consumer Leads

Building a scalable mortgage business 1

Table of contents:
Section 1: Introduction
Section 2: Buyer profiling
 Filters that matter
 What the home-buyer gets
Section 3: Lender Concierge
 Lender/ Buyer connection
Section 4: Identifying a problem
 Understanding lead sources
 Critical factors
 A solution delivered
 Key Performance Indicators
Appendix A: Participating Real Estate
Boards

Section 1:
Introduction

Who is PreApprovalLetter.com?
PreApprovalLetter.com was designed by mortgage underwriting experts in an effort to better
inform homebuyers during their home-buying process.
Our most imperative undertaking is to help the real estate industry progress. We’ve designed
the ultimate real estate tech site, rich with information and features that will turn homebuy-
ers into mortgage-savvy consumers. Our company strives to serve as a safe harbor for the
lending and banking industry in order to avoid mortgage pitfalls of the past.
Home lending in today’s real estate market has taken a giant leap forward both in regulatory
changes and in a more conservative underwriting embodiment. The signing of the Dodd-Frank
Act on July 21st, 2010 marked a new era in the mortgage industry, as we know it. Now, more
than ever, a homebuyer's ability to repay their mortgage will be scrutinized by strict mortgage
underwriting guidelines.
Today’s homebuyer will face strict rules, such as tighter debt-to-income ratios, continued job
stability, and rules associated with the amount of equity left behind on departing primary resi-
dences by second-time homebuyers. Interpreting these complex rules and guidelines take a
mortgage loan professional years to master. Major banks and lenders across the nation pre-
screen homebuyers using bank representatives with little or no underwriting experience. As a
result, labor costs impact a major bank or lender’s ability to implement a strong pre-screening
process for pre-approvals.
PreApprovalLetter.com empowers future homeowners with personalized home loan budg-
eting and a tailored analysis based on today’s strict underwriting rules and guidelines. We
then present our user with a powerful home search tool, which displays properties that fit
their home budget and qualifying scenarios.
With PreApprovalLetter.com, shopping for the perfect home loan becomes a breeze.

Section 2:
Buyer Profiling

“Since mortgage pre-approval has grown to
be so integral to the home buying process,
it makes sense that lenders would
rigorously address this void. Not so.”
-Mark Greene, Contributor/Forbes.com
Quality before quantity
Our prospects are generated by attracting highly interested homebuyers who are in need of knowing how much
home they can afford. By reducing distractions, which might veer our homebuyers away from the primary reason
for visiting our site (to get pre-approved), we have found that their visit becomes much more focused and with a
desired purpose. The information provided is more accurate due to heightened buyer interest and because we have
taken measures to verify that all emails are valid and functioning.
Filters that matter

PreApprovalLetter.com does a great job of
attracting homebuyers at the perfect time for a
mortgage lender to contact them and offer their
lending expertise. We provide homebuyers the
most profound pre-approval interview on the in-
ternet. Our system asks only the relevant ques-
tions a seasoned loan professional would ask in
order to determine their borrowing ability.
“We run a tri-merged credit re-
port and apply industry rules
& overlays for the most com-
prehensive and first-ever auto-
mated pre-approval analysis.
By using underwriting logic,
buyers are now matched pre-
cisely with lender partners
that fit their borrowing
needs.”
Our prospects are verified using a double opt-in
confirmation directly from our site’s representa-
tives and are never sold to any third party re-
sellers. The information provided is not only more
accurate due to heightened buyer-interest but
because measures to verify all emails and phone
numbers are valid. Delivering quality prospects for
our lender partners is the foundation of our rela-
tionships. Every prospect counts and it's our mis-
sion to help lenders understand that.
Introducing the future
mortgage prospecting
With “Cloud based Pre-Approvals”
we consistently aim to introduce qualified
home loan borrowers directly with quality lend-
ers while implementing a highly effective busi-
ness model for mortgage entities.
“Lender Concierge Service”
-Linda Chen
-Nurse
-Max loan 285K
-Credit score:687
-Loan products: 3
-Qualified income:76k
Our proprietary algorithm uses Fannie Mae-DU
methodology for processing and deciphering in-
come while taking key rules into account:
 Declining commission and Schedule-C
income
 Current primary residence and de-
parting primary information
 Negative business income and Schedule-
E losses
What the home-buyer gets
Complete qualifying data

Customized home search results:
“A year ago, after studying a consumer's
ability to shop for a mortgage online, Fannie
Mae researcher, Steve Deggendorf, conclud-
ed that what the market needed was an easy
-to-use comparison shopping site for home
loans. ”
-Mary Ellen Podmolik/Chicago Tribune - interview with Fannie Mae’s Steve Dagendorf
Loan product: FHA 3.5%
Required Down pmt:
$10,535
Loan product: CONV 20%
Required Down pmt:
$35,105
Loan product: CONV 5%
Required Down pmt:
$6,737
Loan product: VA
Required Down pmt:
$0.00
Loan product: Portfolio 10%
Required Down pmt:
$4,222
Simple, Robust home searching
On the fly, live home-loan qualification data
helps our members and professionals stay
connected.
Linda Chen’s Buying Power
Savings: $30,000
What the home-buyer gets

Section 3:
Introducing :
Lender Concierge

Leave the prospecting to us.
Lender/ buyer connection
Our concierge system connects quality buyers
instantly. Lender partners are assured 100%
Contact ratio. Mortgage lender, direct to
consumer marketing, has been redefined.

Prospecting:
Join the Concierge system
and the prospecting arm of
your mortgage origination
business is now removed
from loan origination flow.
L/O Nurturing:
Nurturing your new
prospect is key in
avoiding buyer/
prospect fallout
during the home
hunting process.
Constant contact
with buyer pro-
spects and realtor
affiliations is an
integral part of
converting the lead
and required to
scale.
L/O Processing:
Once a sales contract has
been executed, leaving condi-
tion handling to be completed
by processing or a licensed
loan originator, will allow your
L/O Nurture arm more free
time to convert more pro-
spects into executed con-
tracts.
Closing:
Preparing your
backend staff for
high volume is im-
portant and critical
to creating a scala-
ble, direct to con-
sumer mortgage
origination platform.
1
2
4
3
How to win with PAL concierge.
By separating Loan originator responsibilities, time is more
effectively spent on nurturing, processing and closing more
loans.
Lender/ buyer connection

Section 4:
Identifying a problem

Identifying scalability
problems.
Lenders who are dependent solely on
realtor relations, loan officer recruitment
and networking typically experience a
higher fluctuation in production and/or
scalability. With today’s advancing tech-
nology, and large budgets, only the most
successful mortgage banks and lenders
can truly leverage the power of online
marketing. Fortunately, a larger marketing
budget does not guarantee better quality.
Unsuccessful as a lead based business in the past. Whether or not a
lead-based revenue model is a good fit for your organization depends highly on the ability to
know where your leads are coming from. A lead’s true source says a lot about their quality and
conversion expectations.
3rd party resellers. These leads are typi-
cally generated by internet marketers who
sell the leads to several sources before
reaching the end-buyer. They can be sold
over eight times prior to purchase, becom-
ing less valuable the more they’re sold.
This being said, avoid 3rd party leads at all
costs. The price per lead may be attractive
but don't be lured. Conversion is king and
directly sourced leads are the best way to
ensure higher conversion rates whilst
keeping your lead cost down to a mini-
mum.
Ad traffic. These leads are usually generated when a user clicks on a catchy banner advertisement,
usually displaying low rates or a teaser to lure them into capturing their information. Even though
these leads may have a higher conversion rate than 3rd party resellers, they typically have a lower
interest level.
Directly sourced leads. Leads which are generated by organic SEO tend to naturally yield the best
results. There is an initial level of trust that is established between the potential homebuyer and
lead buyer because of the direct reference. Often times, lenders are asked by clients where the
information was disclosed. If a lender cannot answer where the information was collected, there is
an automatic disconnect between both parties. Knowing the source of a lead can turn a cold call
into a warm lead.
Understanding Lead Sources

Critical Factors
Customer Relationship Man-
agement Tools (CRM)
With internet-based home searching at its
peak, home-hunting has never been the same.
The connection between a buyer and lender
needs to be fortified during this search phase
with branding and authority. In some cases this
could take months, if not years offline.
Attracting buyers to a mortgage institution is
crucial for business but so is keeping your vol-
ume organized. Having the right technology and
infrastructure in place to support your organiza-
tion is a solid foundation for your operation.
Understanding the customer
We offer the most advanced filters in the industry because of our patented algorithm which con-
sists of a questionnaire process never seen before online. Essentially, it is an interview process
which emulates a loan officer’s interview, with more accuracy and less hassle. With today’s strict
rules and guidelines, we offer more than a solution, we offer the solution. Lender-partners gain
an edge over their competition because leads generated by PreApprovalLetter.com are attached
to highly motivated homebuyers at the pre-homebuying stage. Buyers who visit our site and in-
teract with our rich features are interested in understanding how much they can afford and
which loan options are best suited for them. Knowing their situation prior to contact gives lend-
ers the upper hand, every time.
More purchase business
Originating new business using a direct lender-to-buyer model is the most efficient way to build a
solid pipeline in today’s market. We steadily present a vehicle for lending organizations to become
independent from loan officers and real estate agents’ networks as their sole source of business.
Qualified leads
A DIY approach from our site visitors creates
better opportunities for our lender partners.
Our deep rooted filters, which include debt-to
-income (DTI) ratios and information regard-
ing departing primary debts, truly sets us
apart from the rest. This logical process trans-
lates to a qualified lead with more intel to
help build better buyer-lender rapport and
authority.
Realtor and/or Loan Officer recruiting
Relying on realtor relationships and LO recruiting for consistent volume can prove difficult and
unrealistic if you want to scale your business. As the typical mortgage business grows, so does its
staff. A growing staff means new loan originators with plenty of professional relationships. Loan
originator tensions with underwriter discretionary decisions can be cause for loan originators leav-
ing an organization. In the case of real estate agents you're typically only as good as your last
closing.

A Solution Delivered
Change your way of thinking
Old habits die hard, so try to change the way you approach your business sourcing. Whether
you’re working a lead sent in from a real estate agent, or a lead purchased on PreApproval-
Letter.com, there is an interested buyer behind the lead. Approaching internet leads with enthusi-
asm, and having a service-oriented mindset, ensures that internet leads are incorporated properly
into your business model as an independent pipeline.
Focus on what works
Conversion is king, so let’s make sure you
have the right people handling the initial
call to your new prospects. Identify your
strongest originators and incentivize them
with quality buyers based on perfor-
mance. This will not only serve as a great
recruiting tool for new talent, but it will
keep your current team feeling appreciat-
ed and busy on the phones - always!
Connected to the industry
The PreApprovalLetter.com lead
campaign shares a deep-rooted
connection with mortgage under-
writing and loan origination. Our approach to understanding a
potential homebuyer’s qualifying data stems from the mortgage
lending experience of our engineers. Applying mortgage under-
writing logic and hundreds of industry rules to every potential
homebuyer that goes through PreApprovalLetter.com yields the
most sophisticated mortgage lead online. No system available
offers the financial intelligence & user insight like ours does.
So, what’s the solution?
A direct lender-to-borrower
connection is the key to:
 Volume. Keep the phones ringing and
your underwriting staff busy no matter
how many loan officers you have.
 Efficiency. Create more business
while reducing your sales force and
commission staff. Reducing loan officer
compensation can help alleviate newly
enacted compliance issues.
 Forecasting. A predictable revenue gen-
eration model helps managers get a
deep understanding of the forces
driving their business. Know the trends
and you'll never miss a beat.

Speed to closing
How long do your deals take to convert? This
metric creates a baseline for your marketing
budget. It gives you an idea of your next lead
campaign budget needed to be invested. This is
very similar to pipeline velocity but it's more
on a macro level. Pipeline velocity can measure
time between individual stages while closing
speed is more on a start-to-finish basis.
Lifetime Value of a Realtor
What is the total amount of sales revenue the
average realtor contributes over the life of the
relationship? Keeping track of your internet
leads is one thing but we cannot neglect our
offline traffic. Your chosen CRM should be ca-
pable of segmenting and tagging which leads
came from where and from whom. Referrals
from realtors have proven to be an important
Lead-to-Opportunity Ratio
How many of your leads actually turn into op-
portunities? This is the best metric for identify-
ing roadblocks. If the ratio is too low, you
might have a quality issue and won’t be able to
fill your pipeline with opportunities. If your
ratio is too high, you might have a quantity
problem. This has helped many of our pre-
ferred lender partners identify which lead level
Average Impressions to Close
How many phone calls, emails, etc., does it actual-
ly take for an opportunity to close? From our ex-
perience, it typically takes at least 5 points of con-
tact on average before an opportunity decides to
move forward with the lending process. Keeping
track of this metric will help find that “sweet
spot” for your team and help better establish a
sales workflow that maintains consistency in con-
version rates.
Scoring your LO’s
 Revenue won for the year
 Number of opportunities won
 Amount of revenue won excluding last
quarter of opportunities lost
 Percentage of opportunities won
 Amount of revenue won last quarter
Keeping track of these metrics per loan officer
is crucial in maintaining quality performance at
your branch. Numbers don’t lie and now you
can prove it.
Scaling your LO recruiting
What is the average amount of time needed
for new loan officer recruits to reach productiv-
ity levels compared to your top producers? As
your volume increases alongside your growing
staff, knowing how long before your produc-
tion levels can stabilize is imperative to fore-
cast closing ratios. This training period is
typically between 6 - 9 months.
Key Performance Indicators

About this guide
Building your company’s Origination DNA
Written by:
Jorge Touzet
Founder/CEO, PreApprovalLetter.com
Designed by:
Christopher Cayon
UI/UX designer, PreApprovalLetter.com
Sources
 “The pre-approval letter is a sham”, Forbes
 “It’s prime time for a simple mortgage
app.”, Chicago Tribune
To learn more about PreApprovalLetter.com,
Schedule a live demo today at
PreApprovalLetter.com/DEMO
About PreApprovalLetter.com
PreApprovaLetter.com is the Nation’s first Home-loan pre-approval
system. We empower home-buyers and help industry professionals
scale their origination production. Our platform’s revolutionary de-
sign segments and targets for the best pipeline builder available to
the mortgage industry.
Miami Office
7314 SW 48 Street
Miami, FL 33155
1-855-864-4265

Appendix A:
Participating Real Estate
Boards

BCAR Fairhope, AL
BARBHAM Birmingham, AL
CAR Cullman, AL
CBOR Andalusia, AL
DAR Dothan, AL
ECAOR Fort Walton Beach, FL
LCAR Opelika, AL
LMAAR Alexander City, AL
MAAR Montgomery, AL
WBR Jasper, AL
AEAZMLS Sierra Vista, AZ
ARMLS Tempe, AZ
FMLS Ferdonia, AZ
GMMLS Globe, AZ
GVAR Green Valley, AZ
GVMLS Safford, AZ
NAMLS Flagstaff, AZ
NWAMLS Beaver Dam, AZ
PAAR Prescott, AZ
PLPMLS Page, AZ
SCCBR Rio Rico, AZ
SVVAR Sedona, AZ
TARMLS Tucson, AZ
WARDEX Lake Havasu City, AZ
WMAR Lakeside, AZ
YUMA Yuma, AZ
ARMLS Lowell, AR
CARMLS Little Rock, AR
CCBR West Memphis, AR
FSBOR Fort Smith, AR
HDBR Harrison, AR
HSBRA Hot Springs, AR
JBR Jonesboro, AR
MAAR Memphis, TN
NCBR Mountain Home, AR
RBOR Russellville, AR
BEAR/CCAR/EBRD Alameda/Contra
BAOR Bakersfield, CA
BAREIS Santa Rosa, CA
BBVBOR Big Bear Lake, CA
BVP Weaverville, CA
CCAR Angels Camp, CA
CCRMLS San Luis Obispo, CA
CDAR Desert, CA
CLAW Los Angeles, CA
CMBAR Fort Bragg, CA
CRISNET Van Nuys, CA
CSMAOR Simi Valley, CA
DNAOR Crescent City, CA
FAR Fresno, CA
GAVAR Palmdale, CA
HAR Eureka, CA
IAR Idyllwild, CA
IMLS Bishop, CA
ITECH Glendale, CA
ICAOREl Centro, CA
KRLIMLS Lake Isabella, CA
LCAOR Lakeport, CA
LVAR Lompoc, CA
MCLS Alturas, CA
MLBOR Mammoth Lakes, CA
MLSL Sunnyvale, CA
CRMLS San Dimas, CA
OBBR Porterville, CA
PMLS Quincy, CA
RAAR Ridgecrest, CA
ROWAR Lake Arrowhead, CA
SANDICOR San Diego, CA
SAR Mt. Shasta, CA
SFMLS San Francisco, CA
SHASTA Redding, CA
SoCal MLS Anaheim, CA
STAOR South Lake Tahoe, CA
TAARCA Tehachapi, CA
TCAR Sonora, CA
TCARO Red Bluff, CA
TCMLS Visalia, CA
TSBOR Olympic Valley, CA
VCMLS Oxnard, CA
VVMLS Victorville, CA
Participating Real Estate Boards

AGSMLS Basalt, CO
CCBR Poncha Springs, CO
CREN Montrose, CO
GCAR Gunnison, CO
GLAR Granby, CO
IRES Loveland, CO
Metrolist Denver, CO
PPAR Colorado Springs, CO
RGAR Canon City, CO
SAR Dillon, CO
VBOR Edwards, CO
WLS Westcliffe, CO
CT-MLS Norwalk, CT
CTMLS North Haven, CT
DB Darien, CT
GMLS Greenwich, CT
State-Wide MLS Warwick, RI
SCAOR Georgetown, DE
TREND King of Prussia, PA
MRIS Rockville, MD
MFRMLS Orlando, FL
MIAAOR Marco Island, FL
MLKAR Marathon, FL
NABOR Naples, FL
NEFMLS Jacksonville, FL
NFLMLS Lake City, FL
NSBBOR New Smyrna Beach, FL
NVABOR Navarre, FL
OMCARFL Ocala, FL
PAR Pensacola, FL
Pinellas St. Petersburg, FL
RACC Lecanto, FL
RAGFL Fort Lauderdale, FL
RAIRC Vero Beach, FL
RAFGC Apalachicola, FL
RAMC Stuart, FL
RMLS-FL West Palm Beach, FL
SBBOR Pembroke Pines, FL
SCAOR Merritt Island, FL
SJCBOR St Augustine, FL
TBR Tallahassee, FL
WPBOR New Port Richey, FL
BCAR Panama City, FL
BEAR Bonita Springs, FL
CABR Marianna, FL
CCMLS Cape Coral, FL
CLSOR Key Largo, FL
DBAAR Daytona, FL
DGLMLS Chiefland, FL
ECAOR Fort Walton Beach, FL
FLGMLS Bunnell, FL
FLKEYSMLSFL Tavernier, FL
SWFL Fort Myers, FL
GMLS Gainesville, FL
HERNANDO Brooksville, FL
HMLS Sebring, FL
KWAR Key West, FL
MAOR Miami, FL
AAAR Watkinsville, GA
ABBR Vidalia, GA
ABOR Americus, GA
CABR Americus, GA
CARTN Chattanooga, TN
CBOR Columbus, GA
CGMLS Warner Robins, GA
DCCRB Douglas, GA
DMI Dalton, GA
FMLS Atlanta, GA
GAAR Augusta, GA
GAMLS Atlanta, GA
GIAOR Brunswick, GA
LCBOR Greensboro, GA
MBOR Moultrie, GA
MGAMLS Macon, GA
MMLS Milledgeville, GA
NEGBOR Blairsville, GA

KAMLS Keokuk, IA
MAMLS Clive, IA
MBORMLS Marshalltown, IA
MCMLS Knoxville, IA
MGCMLSIA Red Oak, IA
MPAMLS Mt. Pleasant, IA
NBRIA Newton, IA
NCIAMLS Clive, IA
NWIAMLS Clive, IA
OBOR Ottumwa, IA
OMLS Clive, IA
Plymouth County Clive, IA
PCMLS Poweshiek, IA
QCARA Moline, IL
RATHBUN Clive, IA
RLIFARMRANCH Clive, IA
RVMLS Clive, IA
SLMLS Clive, IA
SMLS Spencer, IA
SWIAR Council Bluffs, IA
TCMLS Clive, IA
WAIAMLS Washington, IA
WCFBOR Waterloo, IA
WCMLS Clive, IA
WIAMLS Clive, IA
AAOR Altus, OK
EMLSKS Emporia, KS
FHMLSKS Hillsboro, KS
GCBOR Garden City, KS
GKSMLS Goodland, KS
HAYSMLS Hays, KS
HBR Hutchinson, KS
HMLS Leawood, KS
LBOR Lawrence, KS
MMLSKS McPherson, KS
PBOR Pittsburg, KS
PKAMLS Parsons, KS
REBR Topeka, KS
SBRKS Salina, KS
WAAR Wichita, KS
SEKMLS Independence, KS
SPKSMLS Pratt, KS
SWKMLS Liberal, KS
Topeka Topeka, KS
CKAR Danville, KY
GLAR Louisville, KY
HABR Henderson, KY
HCCBR Hopkinsville, KY
HKYAR Elizabethtown, KY
LBAR Lexington, KY
MCBR Richmond, KY
MHCBR Madisonville, KY
NKAR Florence, KY
OMLS Owensboro, KY
RASK Bowling Green, KY
SCKAOR Glasgow, KY
SLCBR Somerset, KY
WKYRMLS Benton, KY
NWLAM Shreveport, LA
MREIS South Portland, ME
NNEREN Concord, NH
CARMLS Berlin, MD
MRIS Rockville, MD

SBOR Savannah, GA
SEGAMLS Waycross, GA
SWGA Cairo, GA
TABOR Thomasville, GA
TBR Tifton, GA
VMLS Valdosta, GA
WMBR Carrollton, GA
HICENTRAL Honolulu, HI
HIS Honolulu, HI
RAM Maui, HI
CDA Coeur D'Alene, ID
IMLS Boise, ID
LCAR Clarkston, WA
MCAR McCall, ID
SNRMLS Idaho Falls, ID
SVBOR Ketchum, ID
CAAR Springfield, IL
CCAR Savoy, IL
DABR Danville, IL
EBOR Mt. Vernon, IL
LCBR Lincoln, IL
LVBR Macomb, IL
MARIS St. Louis, MO
MRED Lisle, IL
PAAR Peoria, IL
PAARCOM Peoria, IL
QCARA Moline, IL
RAAR Rockford, IL
RANWI Freeport, IL
SIRMLS Glen Carbon, IL
BBOR Bedford, IN
BMLS Bloomington, IN
CincyMLS Cincinnati, OH
ECBOR Elkhart, IN
UARMLSIN Fort Wayne, IN
GNIAR Merrillville, IN
GSBMAR South Bend, IN
KBOR Warsaw, IN
LRAOR Lafayette, IN
MEINAR Muncie, IN
MIBOR Indianapolis, IN
NEINAR Kendallville, IN
SIREA Clarksville, IN
SWAOR Evansville, IN
THAAR Terre Haute, IN
WCAR Monticello, IN
BCMLS Clive, IA
BMLSIA Bluegrass, IA
CIAMLS Clinton, IA
CIBOR Ames, IA
CLAK Clear Lake, IA
CMLS Clive, IA
CRAAR Cedar Rapids, IA
DMAARIA Des Moines, IA
DMLS Dubuque, IA
FDBOR Fort Dodge, IA
FFMLSIA Fairfield, IA
FMMLSIA Fort Madison, IA
FRMLSIA Clive, IA
GMC Mason City, IA
HCMLSI Humboldt, IA
HIAML Clive, IA
ICAAR Iowa City, IA

BCBOR Pittsfield, MA
CCIAOR Yarmouth, MA
NNEREN Concord, NH
AAABOR Ann Arbor, MI
BCAAR Battle Creek, MI
BCAR Coldwater, MI
CGBR Gladwin, MI
Down River Assoc. Taylor, MI
EUPBR Marie, MI
FAAR Flint, MI
GKAOR Kalamazoo, MI 49009
GLAR Lansing, MI
GRAR Grand Rapids, MI
HCBOR Hillsdale, MI
JMLS Jackson, MI
LCAR Adrian, MI
MCAR Monroe, MI
MCCAR Greenville, MI
MiRealSource Troy, MI
MOMBR Ludington, MI
NMIMLS Charlevoix, MI
PBBR Cadillac, MI
REALCOMP Farmington Hills, MI
SBR Freeland, MI
SJCAR Centreville, MI
SRBR Owosso, MI
SWMAR Saint Joseph, MI
TAAR Traverse, MI
UPAR Marquette, MI
WCAR Big Rapids, MI
WMLAR Grand Haven, MI
WWMLS Gaylord, MI
DAAR Duluth, MN
GAAMLS Alexandria, MN
GLAR Baxter, MN
ICB Grand Rapids, MN
LRMLS Fergus Falls, MN
MAM Duluth, MN
RASM North Mankato, MN
RMLS-MN St. Paul, MN
SAAR Duluth, MN
SEMAR Rochester, MN
WCAR Willmar, MN
GTAR Columbus, MS
GWBR Greenwood, MS
HAARMS Hattiesburg, MS
LBR Laurel, MS
MAAR Memphis, TN
MGCMLS Gulfport, MS
CMR Jackson, MS
NBR Natchez, MS
NCMR Oxford, MS
NEMSBD Tupelo, MS
NWMSAR Nesbit, MS
SWMBOR McComb, MS
BDAOR Lake Ozark, MO
CBORMLS Columbia, MO
CGCBR Cape Girardeau, MO
CMBOR Marshall, MO
GSBOR Springfield, MO
HMLS Leawood, KS
JCABR Jefferson City, MO
LOOBOR Sunrise Beach, MO
MABOR Farmington, MO
MARIS St. Louis, MO
NCBR Columbia, MO
OGAR Joplin, MO
RCBR Moberly, MO
SCBR Rolla, MO
SEDWAR Sedalia, MO
SJRAR St. Joseph, MO
TRBR Poplar Bluff, MO
BAR Billings, MT
BVBOR Hamilton, MT
GAR Bozeman, MT
HAR Helena, MT
MOR Missoula, MT
MWMT Kalispell, MT

GIBOR Grand Island, NE
HBOR Hastings, NE
MIDLANDS Lincoln, NE
MIDLANDSCOM Lincoln, NE
NBR Norfolk, NE
NROD NB
OABR Omaha, NE
SCBR Scottsbluff, NE
ECAR Elko, NV
GLVAR Las Vegas, NV
IVBOR Incline Village, NV
MREA Mesquite, NV
NNRMLS Reno, NV
MREIS South Portland, ME
NNEREN Concord, NH
CMCAOR Cape May, NJ
GSMLS Parsippany, NJ
HCMLSNJ Secaucus, NJ
MCMLS Fords, NJ
MOMLS Tinton Falls, NJ
OCBOR Toms River, NJ
RealPlus New York, NY
SJSRMLS Absecon, NJ
GAAR Albuquerque, NM
Las Cruces MLS Las Cruces, NM
NMMLS Santa Fe, NM
OCAR Alamogordo, NM
RBR Ruidoso, NM
SCRMLS Silver City, NM
SFAR Santa Fe, NM
TAOSMLS Taos, NM
GENRIS Rochester, NY
GSAR North Syracuse, NY
HANFRA Cutchogue, NY
IBR Ithaca, NY
MANAR New York, NY
MHMLS Dutchess County, NY
MLSLI W. Babylon, NY
MVAR Utica, NY
MVLS Herkimer, NY
NYS undefined
ODBR Oneonta, NY
RealPlus New York, NY
SCBR Monticello, NY
SIMLS Staten Island, NY
UCMLS Kingston, NY
WCAR Queensbury, NY
EAMLS White Plains, NY
ACVMLS Plattsburgh, NY
BMAR Bronx, NY
WNYREIS Amherst, NY
CGND Hudson, NY
CRMLS Albany, NY
ECAR Corning, NY
AAAR Elizabeth City, NC
ACAOR Sparta, NC
BABOR Burlington, NC
BCAR Supply, NC
BUCMLS Morganton, NC
CCAR Shelby, NC
CCAR Myrtle Beach, SC
CCMLS Morehead City, NC
CMLS Charlotte, NC
FAR Fayetteville, NC
FBR Franklin, NC
GPAR Greenville, NC
HCAOR Boone, NC
HCBOR Cashiers, NC
JBR Jacksonville, NC
LBOR Laurinburg, NC
MLBOR Murphy, NC
MLSCV Hickory, NC
MLSG Goldsboro, NC
NJBR Sylva, NC
NRRAR New Bern, NC
OBAR Nags Head, NC
PSPAAR Southern Pines, NC
RCAR Reidsville, NC
RCBOR Rutherfordton, NC

RICBOR Rockingham, NC
RMAAR Rocky Mount, NC
RVLGBR Roanoke Rapids, NC
SAAR Sanford, NC
SRAR Salisbury, NC
TIAR Surf City, NC
TRIAD High Point, NC
TMLS Cary, NC
TRMLS Bath, NC
WBR Wilson, NC
WCBR North Wilkesboro, NC
WNCRMLS Fletcher, NC
WNCRMLSRNT Fletcher, NC
WRAR Wilmington, NC
YMMLS Spruce Pine, NC
FMAAR Fargo, ND
ABR Ashland, OH
CCOMLS Columbus, OH
CincyMLS Cincinnati, OH
FMLS Sandusky, OH
GPABR Portsmouth, OH
MARBR Marion, OH
MBOR Mansfield, OH
NEOHREX Cleveland, OH
SVAR Chillicothe, OH
WCAR Lima, OH
WRISTINC Troy, OH
AAOR Altus, OK
AMLSOK Norman, OK
EMAR Enid, OK
LBR Lawton, OK
NOBOR Tulsa, OK
NORES Tulsa, OK
OCMAR Oklahoma City, OK
TBR Durant, OK
ARI Lakeview, OR
GPAR Grants Pass, OR
KCAR Klamath Falls, OR
LCMLS Lincoln City, OR
MLSCO Bend, OR
RMLS Portland, OR
SORMLS Medford, OR
WVMLS Salem, OR
AHAR Altoona, PA
BSAR Towanda, PA
CCAR Lehighton, PA
CPML Enola, PA
CSAR Johnstown, PA
GEBR Erie, PA
GHAOR Hazleton, PA
GSBR Clarks Summit, PA
GWBAR Kingston, PA
HCBOR Huntingdon, PA
KMLSN Lebanon, PA
LVAR Bethlehem, PA
MJBOR Burnham, PA
MRIS Rockville, MD
PMAR Stroudsburg, PA
PWAR Hawley, PA
RAYAC York, PA
SCMLS Pottsville, PA
WPMLS Pittsburgh, PA
AMLS Aiken, SC
BCAR Beaufort, SC
CCAR Myrtle Beach, SC
CCBR Gaffney, SC
CML Columbia, SC
CTAR Charleston, SC
GGAR Greenville, SC

GAOR Greenwood, SC
HHMLS Hilton Head Island, SC
PRAR Rock Hill, SC
RAGPD Florence, SC
SBOR Sumter, SC
SMIDLANDS Orangeburg, SC
SPTBGMLS Spartanburg, SC
WRAR Wilmington, NC
WUAR Anderson, SC
AMLS Aberdeen, SD
HBR Huron, SD
LCBOR Yankton, SD
MTRAOR Spearfish, SD
RASE Sioux Falls, SD
CARTN Chattanooga, TN
CWTAR Jackson, TN
GSMAR Sevierville, TN
KAARMLS Knoxville, TN
LAAR Morristown, TN
MAAR Memphis, TN
MSREB Memphis, TN
RCAR Cleveland, TN
RealTracs Brentwood, TN
RRAR Union City, TN
TVARMLS Gray, TN
TVAR Paris, TN
UCAR Cookeville, TN
FHAAR Killeen, TX
GARMLS Galveston, TX
GEPAR El Paso, TX
GTAR Tyler, TX
HBR Harlingen, TX
HCBR Eustace, TX
HLARTX Marble Falls, TX
KBR Austin, TX
KMLS Kerrville, TX
LAOR Lubbock, TX
NCBOR Sweetwater, TX
NTREIS Dallas, TX
OBOR Odessa, TX
PAR Austin, TX
PBBR Midland, TX
RAAR Rockport, TX
SABOR San Antonio, TX
SBOR Snyder, TX
SMAB New Braunfels, TX
SPCBOR Portland, TX
SPIBR South Padre Island, TX
UBR Uvalde, TX
VBR Victoria, TX
WFAR Wichita Falls, TX
AAR Amarillo, TX
ABOR Austin, TX
BCBOR Lake Jackson, TX
BCSREG Bryan, TX
BSPIBR South Padre Island, TX
CBAR Port Lavaca, TX
CCAR Corpus Christi, TX
CHCBOR Fredericksburg, TX
DBR Dumas, TX
DRBOR Del Rio, TX
EPBOR Eagle Pass, TX
BWMLS Bigwater, UT
DCMLS Duck Creek Village, UT
GSJAR Moab, UT
KUTMLS Kanab, UT
PCBRUT Park City, UT
WCBR Saint George, UT
WFRMLS Sandy, UT
NNEREN Concord, NH

CAARMLS Charlottesville, VA
CBRAR Hartfield, VA
CVRMLS Richmond, VA
GAARVA Staunton, VA
HRAR Harrisonburg, VA
LBVRAR Lexington, VA
LVAMLS Lynchburg, VA
MHPC Martinsville, VA
MRIS Rockville, MD
NNAR Callao, VA
NRVMLS undefined
REIN Virginia Beach, VA
RVAR Roanoke, VA
SCMLS Farmville, VA
SHAR Accomac, VA
SPLLBR South Boston, VA
SWVAR Abingdon, VA
TVARMLS Gray, TN
WAAR Williamsburg, VA
LCAR Clarkston, WA
NEWAAR Colville, WA
OLS Sequim, WA
RMLS Portland, OR
SAR (WA) Spokane, WA
WWAR Walla Walla, WA
GVMLS Lewisburg, WV
KVMLS Charleston, WV
MRIS Rockville, MD
MTCBOR Princeton, WV
NCWVREIN Bridgeport, WV
WBR Wheeling, WV
CWBR Mosinee, WI
DCBR Sturgeon Bay, WI
GNMLS Woodruff, WI
MCBOR Marinette, WI
METROMLS Wauwatosa, WI
RANW Appleton, WI
RANWW Eau Claire, WI
SCWMLS Madison, WI
CBR Cheyenne, WY
FCBR Lander, WY
NWBOR Cody, WY
SCBBR Sheridan, WY
TBORWY Jackson, WY

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