This document is a performance scorecard for Apex Home Loans, Inc. for the month of September 2015. It provides data on funded loan volume, lock volume, top states by volume, and key performance indicators including hedge performance ratio, weighted average credit score, and weighted average LTV. Funded volume for September was $14.31 million, with Maryland, DC, and Delaware making up the top states. The hedge performance ratio was 82.23%, indicating level 1 performance. The weighted average credit score was 744 and weighted average LTV was 77.72% for loans funded in September.
Ted C. Jones, PhD, chief economist with Stewart Title Guaranty Company, delivered this Economic Outlook presentation at CCIM Thrive on Oct. 28, 2015, at the Hyatt Regency Austin. Visit CCIM.com to learn more.
A market update discussing affordability, average home prices, and mortgage availability for Santa Clara County and beyond. The Veridian Realty Group focuses on achieving success with both home sellers and home buyers in this dynamic real estate market. Keep up with local market news by subscribing to our newsletter at VeridianRealtyGroup.com or on the blog www.TalkToCJ.com
Patrick jankowski- 2019 Economic Outlook for Southeast TexasCharlie Foxworth
Southeast Texas Economic Development Foundation slides for the economic outlook for Southeast Texas in 2019. All systems are go for a good year. The only thing that can hold us back is our belief that we are "overdue" for a recession. Stay positive.
We are not trying to change the world with new technology, nor are we trying to reinvent the wheel. What we are doing is take a well-known market and turning it up to 1,000.
Ted C. Jones, PhD, chief economist with Stewart Title Guaranty Company, delivered this Economic Outlook presentation at CCIM Thrive on Oct. 28, 2015, at the Hyatt Regency Austin. Visit CCIM.com to learn more.
A market update discussing affordability, average home prices, and mortgage availability for Santa Clara County and beyond. The Veridian Realty Group focuses on achieving success with both home sellers and home buyers in this dynamic real estate market. Keep up with local market news by subscribing to our newsletter at VeridianRealtyGroup.com or on the blog www.TalkToCJ.com
Patrick jankowski- 2019 Economic Outlook for Southeast TexasCharlie Foxworth
Southeast Texas Economic Development Foundation slides for the economic outlook for Southeast Texas in 2019. All systems are go for a good year. The only thing that can hold us back is our belief that we are "overdue" for a recession. Stay positive.
We are not trying to change the world with new technology, nor are we trying to reinvent the wheel. What we are doing is take a well-known market and turning it up to 1,000.
Facebook, Inc. (NASDAQ: FB) reported financial results for the first quarter, which ended March 31, 2013. Pandora.vn - One of the best Technology News Websites in Vietnam: http://pandora.vn
Jerry Ganz • Packerland Brokerage Services
- Can lower returns lead to more money in retirement? The impact of sequencing and volatility on portfolio value by David Witkin
- Jump in Swiss franc triggers short-term losses and long-term uncertainty
- Crude oil’s message for the stock market by Tom McClellan
- Growing a referral network (Trish Beine, The Strategic Financial Alliance)
Annie Williams Real Estate Report - October 2021Annie Williams
After being higher than the year before thirteen months in a row, sales of single-family, re-sale homes dipped 0.4% year-over-
year. Sales were down 2.9% from August. There were 238 homes sold in San Francisco last month. The average since 2000 is 214.
The Real Estate Board of Greater Vancouver (REBGV) reports that residential property sales in the region totalled 2,833 in May 2018, a 35.1 per cent decrease from the 4,364 sales recorded in May 2017, and a 9.8 per cent increase compared to April 2018 when 2,579 homes sold.
Annie Williams Real Estate Report - January 2020Jon Weaver
The median sales price for single-family, resale homes fell 2.8% year-over-year. It was
off 10.4% from November. The average sales price gained 9.5% yearover-year. It was down 1.9% compared to November. Sales of single-family, re-sale homes rose 8.1% year-over-year. Sales were off 12.6% from November. There were 173 homes sold
last month. For the year, home sales were down 2.4%. The median sales price for condos/townhomes was up 3.4% year-over-year. It was up 2.5% from November.
The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales totalled 1,608 in the region in November 2018, a 42.5 per cent decrease from the 2,795 sales recorded in November 2017, and an 18.2 per cent decrease compared to October 2018 when 1,966 homes sold.
Year-end housing report for Southwest California including the cities of Temecula, Murrieta, Wildomar, Lake Elsinore, Canyon Lake, Menifee, Hemet and San Jacinto.
In this paper, we analyze the effect of socially responsible investments within a multi-asset portfolio optimization model. We also attempt to bridge the gap in the real estate literature between sustainability principles and investment analysis. To this aim, listed real estate companies with an active sustainability agenda, identified through the MSCI ESG database, represent the sustainable real estate asset class. Applying a downside risk approach by using a conditional value at risk (CVaR) optimization technique, we establish empirically whether diversification benefits can be achieved by investing in companies with a proven track record in sustainability. Our results highlight the potential contribution of listed real estate companies with high sustainability ratings to an institutional investor’s portfolio taking into account differences in investment style and risk aversion.
Annie Williams Real Estate Report - March 2022Annie Williams
Sales of single-family, re-sale homes fell 8.3% year-over-year. Sales were up 17.1% from January. There were 144 homes sold in San Francisco last month. The average since 2000 is 214. While off the highs reached in June, sales prices of single-family, re-sale homes are higher than the year before.
Facebook, Inc. (NASDAQ: FB) reported financial results for the first quarter, which ended March 31, 2013. Pandora.vn - One of the best Technology News Websites in Vietnam: http://pandora.vn
Jerry Ganz • Packerland Brokerage Services
- Can lower returns lead to more money in retirement? The impact of sequencing and volatility on portfolio value by David Witkin
- Jump in Swiss franc triggers short-term losses and long-term uncertainty
- Crude oil’s message for the stock market by Tom McClellan
- Growing a referral network (Trish Beine, The Strategic Financial Alliance)
Annie Williams Real Estate Report - October 2021Annie Williams
After being higher than the year before thirteen months in a row, sales of single-family, re-sale homes dipped 0.4% year-over-
year. Sales were down 2.9% from August. There were 238 homes sold in San Francisco last month. The average since 2000 is 214.
The Real Estate Board of Greater Vancouver (REBGV) reports that residential property sales in the region totalled 2,833 in May 2018, a 35.1 per cent decrease from the 4,364 sales recorded in May 2017, and a 9.8 per cent increase compared to April 2018 when 2,579 homes sold.
Annie Williams Real Estate Report - January 2020Jon Weaver
The median sales price for single-family, resale homes fell 2.8% year-over-year. It was
off 10.4% from November. The average sales price gained 9.5% yearover-year. It was down 1.9% compared to November. Sales of single-family, re-sale homes rose 8.1% year-over-year. Sales were off 12.6% from November. There were 173 homes sold
last month. For the year, home sales were down 2.4%. The median sales price for condos/townhomes was up 3.4% year-over-year. It was up 2.5% from November.
The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales totalled 1,608 in the region in November 2018, a 42.5 per cent decrease from the 2,795 sales recorded in November 2017, and an 18.2 per cent decrease compared to October 2018 when 1,966 homes sold.
Year-end housing report for Southwest California including the cities of Temecula, Murrieta, Wildomar, Lake Elsinore, Canyon Lake, Menifee, Hemet and San Jacinto.
In this paper, we analyze the effect of socially responsible investments within a multi-asset portfolio optimization model. We also attempt to bridge the gap in the real estate literature between sustainability principles and investment analysis. To this aim, listed real estate companies with an active sustainability agenda, identified through the MSCI ESG database, represent the sustainable real estate asset class. Applying a downside risk approach by using a conditional value at risk (CVaR) optimization technique, we establish empirically whether diversification benefits can be achieved by investing in companies with a proven track record in sustainability. Our results highlight the potential contribution of listed real estate companies with high sustainability ratings to an institutional investor’s portfolio taking into account differences in investment style and risk aversion.
Annie Williams Real Estate Report - March 2022Annie Williams
Sales of single-family, re-sale homes fell 8.3% year-over-year. Sales were up 17.1% from January. There were 144 homes sold in San Francisco last month. The average since 2000 is 214. While off the highs reached in June, sales prices of single-family, re-sale homes are higher than the year before.
State of the Special Finance Industry (2016)DealerStrong
The CEO of DealerStrong, Greg Goebel, talks about the health of the special finance industry and shows statistics of the top finance companies of 2016.
SureCut Shears Inc. - Financial Company AnalysisFranziska Becker
The Masters in Management at IE Business School includes a class on Corporate Finance. One of the given assignments in this class was to analyse the Harvard Business Case on SureCut Shears, Inc. (https://www.hbs.edu/faculty/Pages/item.aspx?num=7816).
Together with my workgroup, we analysed the company’s financial statement to determine whether the company is still liable and should be granted the further credit line extension it requested from its bank.
Our key findings were, that due to decreasing sales in the economic downturn the majority of the company’s current assets are locked in inventory and are thus not able to cover its current liabilities. Additionally, the company has a very slack policy on collecting accounts receivable, resulting in high debt outstanding, while always meeting its accounts payable deadlines, without any discounts for early payment. Despite decreasing sales and already high inventory, the company does not reduce its production. The combination of these and other factors highly increase the company's need for working capital. Looking at the continuing economic downturn in combination with the mentioned factors, which hint a questionable financial strategy, it would be a risky investment for the bank to further extend its line of credit for the company.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
Mercer Capital's Business Development Companies Quarterly Newsletter | Q3 2013Mercer Capital
"Business development companies are an important and growing source of funding for middle market companies. Along with private equity and other investment funds, BDCs provide billions of dollars of investment capital to private companies in every segment of the economy.
For over thirty years, Mercer Capital has met the valuation needs of the same middle market companies to which BDCs and other funds provide capital.
This quarterly newsletter tracks the financial and stock market performance of the public BDCs."
Officially titled, "Financial Planning Strategies for Women & Families" - Barry Mendelson gave this presentation to the East Bay chapter of American Society of Women Accountants in February.
Business & Tax Climate
– Lower cost of doing business
– Tax climate
• No Corporate Income Tax
• No Personal Income Tax
• No Personal Property Tax
• No Business Inventory Tax
• No Inheritance Tax
– Businesses are successful and growing
1. November 10, 2015 Page 1 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Funded Volume
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
Generated:
12 Month Trend by Product Family
Conv Conf-
Non-Conf-
RDGRH-
Gov't-
$-
$2.93
$0.25
$2.97
$0.96
$0.97
$-
$3.88
$-
$5.42
$-
$5.16
$-
$8.41
$-
$5.82
$-
$9.39
$-
$3.73
$-
$9.19
$0.58
$6.09
$3.00
$7.95
$-
$1.26
$-
$3.10
$-
$0.81
$1.64
$7.89
$-
$3.29
$-
$12.14
$-
$4.90
$2.26
$7.74
$-
$3.47
$0.53
$10.23
$-
$3.54
Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15
$6.14 $5.81 $10.58 $14.22 $13.13 $15.86 $12.21 $3.91 $12.83 $17.04 $13.47 $14.31Total
$357,717 $364,225
Average Loan Size
Grand Total
$363,566 $305,399
$345,624 $468,548
$361,003 $324,880
$507,663 $392,311
$- $276,287
$354,590
$346,440 $350,406
$323,458 $305,858
$346,966
$534,000 $1,063,749
$- $956,250
$1,050,312
September Past 12 Mos
Total Rural Development
FHA Fixed Rate
FHA ARM
$393,594
Conv Conf Fixed Rate
Conv Conf ARM
$341,078
Non-Conforming Fixed
Non-Conforming ARM
$534,000
Total FHA
Total VA
Total Gov't
Total Conv Conf
Total Non-Conforming
1228 $3,916,190$10,392,483$14,308,67240 319 $116,973,156 249 $87,562,281 70 $29,410,875
Current Month and Year to Date Funded Volume by Delivery Option and Product
All Volume Best Effort
$4,052,781 13.8%
$3,748,381 12.7%
26.5%
24.6%
2.0%
53.1%
$536,375 1.8%
$5,811,303 19.8%
21.6%
$7,446,244 25.3%
$- 0.0%
25.3%
Mandatory
Grand Total
$327,362 12
$345,624 8
$672,986 $7,801,162
$341,000 $7,232,117
$- $583,673
$15,616,952
$104,000 4
$2,264,204 19
$6,347,678
$534,000 7
$- 0
$7,446,244
Mandatory
1 13.5%
1 0.0%
2 20
1 18
0 2
40
1 79.6%
7 0.0%
23
1 0.0%
0 0.0%
7
17.8% $11,802,982
0.0% $-
17.8% 13.5%
6.5% 6.9%
0.0% 0.0%
20.4%
75.7% $69,688,760
0.0% $-
79.6%
0.0% $-
0.0% $-
0.0%
$1,854,035 39
$- 0
$1,854,035 $11,802,982
$674,325 $6,070,538
$- $-
$17,873,521
$7,864,123 194
$- 0
$69,688,760
$- 0
$- 0
$-
5 13.6%
0 3.2%
5 39
1 16
0 0
55
22 60.0%
0 5.0%
194
0 6.4%
0 0.0%
0
15.2% $15,855,764
2.4% $3,748,381
17.7% 16.8%
7.1% 11.4%
0.0% 0.5%
28.6%
55.7% $70,225,136
15.8% $5,811,303
65.0%
3.7% $7,446,244
0.0% $-
6.4%
$2,181,397
$345,624
$2,527,021 $19,604,145
$1,015,325 $13,302,656
$- $583,673
$33,490,473
$7,968,123
$2,264,204
$76,036,439
$534,000
$-
$7,446,244
6
1
7
2
0
23
7
1
0
Best Effort All Volume
8.4%FHA Fixed Rate 51
8.8%FHA ARM 8
17.2% 59
8.7% 34
0.0% 2
25.9% 95
2.7%Conv Conf Fixed Rate 198
57.8%Conv Conf ARM 19
60.5% 217
13.6%Non-Conforming Fixed 7
0.0%Non-Conforming ARM 0
13.6% 7
Total FHA
Total VA
Total Rural Development
September Year to Date 2015
$1,013,986
$2,368,204
$534,000
3
8
1
24.3%
75.7%
0.0%
$2,528,360
$7,864,123
$-
6
22
0
24.8%
71.5%
3.7%
$3,542,346
$10,232,326
$534,000
9
30
1
Total Gov't
Total Conv Conf
Total Non-Conforming
2. November 10, 2015 Page 2 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Lock Volume
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
Lock counts are a combination of Best Effort units and
Mandatory commitments.
Because Rural Development volume can be co-mingled with
non-RD volume within a commitment, RD volume is not
broken out as a separate category and appears combined with
other government volume.
Generated:
12 Month Trend by Product Family
Conv Conf-
Non-Conf-
Gov't-
$-
$1.83
$6.86
$1.43
$2.91
$4.92
$-
$10.37
$5.77
$1.73
$10.48
$5.20
$3.01
$5.66
$1.89
$2.40
$10.53
$6.05
$1.92
$5.38
$3.81
$-
$3.07
$1.25
$1.05
$17.09
$3.82
$2.90
$9.85
$2.53
$2.11
$12.80
$3.23
$2.56
$4.00
$4.96
Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15
$8.69 $9.25 $16.14 $17.41 $10.57 $18.98 $11.11 $4.33 $21.96 $15.28 $18.15 $11.52Total
147 $5,863,024$5,658,661$11,521,68521 187 $129,298,607 85 $83,187,908 102 $46,110,699
Current Month and Year to Date by Delivery Option and Product
All Volume Mandatory Mandatory Best Effort
$11,092,215 24.1%
$4,635,758 10.1%
34.1%
$3,262,000 7.1%
$9,447,881 20.5%
27.6%
$13,231,565 28.7%
$4,441,280 9.6%
38.3%
Grand Total
Best Effort All Volume
$1,141,130 19.5% 31
$299,552 5.1% 10
$1,440,682 24.6% $15,727,973
$786,900 13.4% 11
$1,070,862 18.3% 29
$1,857,762 31.7% $12,709,881
$1,862,300 31.8% 16
$702,280 12.0% 5
$2,564,580 43.7% $17,672,845
September Year to Date 2015
3 20.5%
1 0.0%
4 41
3 79.5%
3 0.0%
6 40
3 0.0%
1 0.0%
4 21
62.1% $17,020,288
0.0% $-
62.1% 20.5%
37.9% $66,167,620
0.0% $-
37.9% 79.5%
0.0% $-
0.0% $-
0.0% 0.0%
$3,516,361 27
$- 0
$3,516,361 $17,020,288
$2,142,300 58
$- 0
$2,142,300 $66,167,620
$- 0
$- 0
$- $-
5 21.7%
0 3.6%
5 27
2 53.7%
0 7.3%
2 58
0 10.2%
0 3.4%
0 0
40.4% 58 $28,112,503
2.6% 10 $4,635,758
43.0% 25.3%
25.4% 69 $69,429,620
9.3% 29 $9,447,881
34.7% 61.0%
16.2% 16 $13,231,565
6.1% 5 $4,441,280
22.3% 13.7%
$4,657,491
$299,552
$4,957,043 68 $32,748,261
$2,929,200
$1,070,862
$4,000,062 98 $78,877,501
$1,862,300
$702,280
$2,564,580 21 $17,672,845
8
1
9
5
3
8
3
1
4
Gov't Fixed Rate
Gov't ARM
Conv Conf Fixed Rate
Conv Conf ARM
Non-Conforming Fixed
Non-Conforming ARM
Total Gov't
Total Conv Conf
Total Non-Conforming
3. November 10, 2015 Page 3 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
8
2
$11,573.33
$0.00
0
$0.00
0
0.00%
0
0
Billings
Current Outstanding ($)
Outstanding >60 Days ($)
Total Repos/Indems Outstanding (#)
Total Repos/Indems Outstanding ($)
Final Docs Outstanding
271 to 300 Days From Closing
301 to 330 Days From Closing
331 to 360 Days From Closing
> 360 Days
Government Insuring
# Uninsured >60 Days from Closing
% Uninsured >60 Days from Closing
Generated:
September
2015
Top 5 States by Volume Current Month and Year to Date
All Other
All Other
MD 29 $10,615,732
DC 5 $2,004,806
DE 2 $693,410
VA 2 $655,125
PA 1 $235,600
1 $104,000
MD 216 $76,679,844
DC 44 $18,910,636
VA 35 $15,038,643
DE 12 $3,128,221
NJ 6 $1,229,225
6 $1,986,586
State Units Dollars
State Units Dollars
74%
14%
5%
5%
2%
1%
66%
16%
13%
3%
1%
2%
% Volume
% Volume
Total Rural Development
September Last 12 Months
Total FHA 0.00% 0.00%
Total VA 0.00% 0.00%
0.00% 0.00%
Total Conv Conf 0.00% 0.00%
Total Non-Conforming 0.00% 0.00%
0.00% 0.00%
Third Party Originations
Percent of Total Volume by Product for Current Month and Last 12
Months
Grand Total
3 $1,292,800
$292,500 3.08% 443,989,839
2 $988,643
$- 0.00% 233,318,855
PerformanceWorks?
Key Performance Indicator - Hedge Performance Ratio (HPR)
HPR 80% or greater - Float to Current eligibility and 20 bps payup.
HPR 65% to less than 80% - Float to Current eligibility and 15 bps payup.
HPR 50% to less than 65% - Manage the pipeline more effectively and move up to
the next level.
HPR less than 50% - Will currently be assessed a lock fee. Manage the pipeline to
take advantage of Float to Current and Payups.
Current Performance Period
Jun 1 2015 - Aug 31 2015
Loans Funded
Loans Hedge Expired
Loans Cancelled Weighted Days Paid
Weighted Days Used
Prior Performance Period
Mar 1 2015 - May 31 2015
Loans Funded
Loans Hedge Expired
Loans Cancelled Weighted Days Paid
Weighted Days Used
13.63%
18.46%
Level 1
Level 2
Level 3
Level 4
1
21 $7,897,870
539,932,839
0
14 $4,366,917
264,812,010
83.28%
81.54%
HPR - 82.23% : Level 1
HPR - 88.11% : Level 1
*Number of final documents not received
for loans funded in the past 12 months.
4. November 10, 2015 Page 4 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
Generated:
Key Performance Indicator - Weighted Average Credit Score
Key Performance Indicator - Weighted Average LTV
Detail by Product
Grand Total
Detail by Product
Grand Total
Average Credit Score Weighted by Funded UPB for Loans Funded in the Current Month
Average LTV Ratio Weighted by Funded UPB for Loans Funded in the Current Month
738 736741 744
83.73% 81.86%82.92% 77.72%
694 701
719 703
698 701
713 722
687 707
710705
762 753
763 766
754762
770 774
801 775
774774
93.49% 93.99%
96.41% 91.90%
93.99% 93.95%
68.72% 74.12%
102.04% 101.88%
86.75%81.35%
76.15% 78.80%
76.33% 69.80%
78.57%76.16%
73.69% 72.99%
75.00% 71.30%
72.48%73.84%
Benchmarks Client Levels for Sep-15
Trend Over Last 12 Months by Family
Past 12 Mos
Client
Past 12 Mos
Benchmarks Client Levels for Sep-15
Trend Over Last 12 Months by Family
Past 12 Mos
Client
Past 12 Mos
670 706
745 700
680 706
733 724
- 719
713695
755 753
749 765
753754
793 777
- 769
775793
96.22% 94.12%
96.50% 92.47%
96.26% 94.07%
59.77% 85.17%
- 101.81%
91.12%85.80%
82.36% 79.88%
81.09% 70.77%
79.40%82.08%
80.00% 74.12%
- 70.30%
73.26%80.00%
Sep-15 Sep-15
Sep-15 Sep-15
Channel Average
Channel Average
Total Rural Development
Total Rural Development
FHA Fixed Rate
FHA ARM
Conv Conf Fixed Rate
Conv Conf ARM
Non-Conforming Fixed
Non-Conforming ARM
FHA Fixed Rate
FHA ARM
Conv Conf Fixed Rate
Conv Conf ARM
Non-Conforming Fixed
Non-Conforming ARM
Total FHA
Total VA
Total FHA
Total VA
Total Gov't
Total Conv Conf
Total Non-Conforming
Total Gov't
Total Conv Conf
Total Non-Conforming
Conv Conf-
Conv Conf-
Greater than 714
Between 700 and 714
Between 690 and 699
Less than 690
Greater than 769
Between 760 and 769
Between 745 and 759
Less than 745
Greater than 769
Between 760 and 769
Between 745 and 759
Less than 745
Less than 80%
Between 80% and 94.99%
Between 95% and 96.99%
97% or above
Less than 60%
Between 60% and 74.99%
Between 75% and 79.99%
80% or above
Less than 60%
Between 60% and 74.99%
Between 75% and 79.99%
80% or above
Gov't-
Non-Conf-
716
764
-
741
746
801
697
769
-
693
761
-
703
747
-
688
766
-
735
772
758
709
783
-
721
764
771
724
762
-
680
759
781
695
754
793
Gov't-
Non-Conf-
99.62%
73.90%
-
43.33%
80.22%
75.00%
75.35%
80.48%
-
84.12%
78.92%
-
74.98%
76.61%
-
78.28%
71.31%
-
96.44%
75.68%
72.99%
96.75%
73.01%
-
92.08%
68.95%
70.60%
85.47%
78.37%
-
94.37%
73.48%
75.37%
85.80%
82.08%
80.00%
Level 1
Level 2
Level 3
Level 4
Gov't Conv Conf Non-Conforming
Gov't
Conv Conf
Non-Conforming
Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15
Level 1
Level 2
Level 3
Level 4
Gov't Conv Conf Non-Conforming
Gov't
Conv Conf
Non-Conforming
Level 2
Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15
Level 3
Level 3
Level 1
Level 4
Level 4
5. November 10, 2015 Page 5 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
Generated:
609 $195,262,101 2 $835,480
Percent of serviced loans purchased in a 24 month period ending 4 months prior to the evaluation month which are 60 or more days delinquent or foreclosed (including REOs).
Delinquency Performance of Wells Fargo Serviced Loans
Key Performance Indicator - 60+ Days Past Due/Foreclosure Percentage
Last evaluated - 3rd Quarter 2015
*Loans purchased between 6/ 1/2013 and 5/31/2015
0.33%
FHA ARM 0 $-2
82 $23,680,157 1 $203,761
71 $26,466,654 1 $631,719
7 $1,762,892 0 $-
Conv Conf ARM 0 $-6
Non-Conforming ARM 0 $-4
160 $51,909,703 2 $835,480
435 $131,301,253 0 $-
14 $12,051,144 0 $-
Total FHA
Total VA
Total Rural Development
Total Gov't
Total Conv Conf
Total Non-Conforming
Client Levels
Benchmarks 60+ Delinquencies
Grand Total
60+ Delinquency Percentage Month over Month Trend
1 $203,761
$741,0850.00%
1.22%
1.41%
0.00%
0 $-
$1,548,5440.00%
0 $-
$3,125,8570.00%
1.25%
0.00%
0.00%
80 $22,939,072
429 $129,752,708
10 $8,925,287
60+ %
Less Than 2.29%
Between 2.29% and 2.86%
Between 2.87% and 3.43%
Greater Than 3.43%
Less Than 0.20%
Between 0.20% and 0.25%
Between 0.26% and 0.30%
Greater Than 0.30%
N/A
N/A
N/A
N/A
FHA Fixed Rate 1.25%
Conv Conf Fixed Rate 0.00%
Non-Conforming Fixed 0.00%
Level 1
Level 2
Level 3
Level 4
Gov't Conv Conf Non-Conforming
Non-Conforming
Conv Conf
N/A
Level 1
Level 1
Total ServicedEvaluated Pct by Product
Gov't
Gov't-
Conv Conf-
Non-Conf-
0.49%
-
-
0.49%
-
-
0.49%
-
-
1.01%
-
-
0.54%
-
-
-
-
-
0.58%
-
-
0.58%
-
-
0.60%
-
-
0.57%
-
-
0.62%
-
- -
1.25%
-
Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15
6. November 10, 2015 Page 6 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
Generated:
Current Delinquencies by Days Past Due and Product
For Loans Purchased Between 06/01/2013 and 05/31/2015 (Past 24 months, 4 months offset)
For Loans Purchased Between 06/01/2014 and 05/31/2015 (Past 12 months, 4 months offset)
FHA Fixed Rate 80 $22,939,072 1 $280,768 1.25% 0 $- 0.00% 0 $- 0.00% 1 $203,761 1.25% 2 $484,529 2.50%
FHA ARM 2 $741,085 1 $405,474 50.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 1 $405,474 50.00%
3.66%
2.82%
0.00%
3.13%
Conv Conf Fixed Rate 429 $129,752,708 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
Conv Conf ARM 6 $1,548,544 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
0.00%
Non-Conforming Fixed 10 $8,925,287 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
Non-Conforming ARM 4 $3,125,857 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
0.00%
0.82%
FHA Fixed Rate 49 $13,668,141 1 $280,768 2.04% 0 $- 0.00% 0 $- 0.00% 1 $203,761 2.04% 2 $484,529 4.08%
FHA ARM 2 $741,085 1 $405,474 50.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 1 $405,474 50.00%
5.88%
1.75%
0.00%
3.48%
Conv Conf Fixed Rate 210 $65,005,917 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
Conv Conf ARM 5 $1,442,943 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
0.00%
Non-Conforming Fixed 7 $6,501,098 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
Non-Conforming ARM 2 $1,607,058 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00% 0 $- 0.00%
0.00%
1.18%
Total Serviced 30 Days Delinqent 60 Days Delinquent 90 Days Delinquent In Foreclosure (incl REO) Delinquent or In Foreclosure
Total Serviced 30 Days Delinqent 60 Days Delinquent 90 Days Delinquent In Foreclosure (incl REO) Delinquent or In Foreclosure
$890,003
$828,497
$-
$1,718,500
$-
$-
$1,718,500
$890,003
$196,777
$-
$1,086,780
$-
$-
$1,086,780
3
2
0
5
0
0
5
3
1
0
4
0
0
4
1.22%
0.00%
0.00%
0.63%
0.00%
0.00%
0.16%
1.96%
0.00%
0.00%
0.87%
0.00%
0.00%
0.29%
$203,761
$-
$-
$203,761
$-
$-
$203,761
$203,761
$-
$-
$203,761
$-
$-
$203,761
1
0
0
1
0
0
1
1
0
0
1
0
0
1
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00%
1.41%
0.00%
0.63%
0.00%
0.00%
0.16%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
$-
$631,719
$-
$631,719
$-
$-
$631,719
$-
$-
$-
$-
$-
$-
$-
0
1
0
1
0
0
1
0
0
0
0
0
0
0
2.44%
1.41%
0.00%
1.88%
0.00%
0.00%
0.49%
3.92%
1.75%
0.00%
2.61%
0.00%
0.00%
0.88%
$686,242
$196,777
$-
$883,020
$-
$-
$883,020
$686,242
$196,777
$-
$883,020
$-
$-
$883,020
2
1
0
3
0
0
3
2
1
0
3
0
0
3
$23,680,157
$26,466,654
$1,762,892
$51,909,703
$131,301,253
$12,051,144
$195,262,101
$14,409,227
$21,572,829
$1,762,892
$37,744,948
$66,448,859
$8,108,156
$112,301,964
82
71
7
160
435
14
609
51
57
7
115
215
9
339
Total Gov't
Total Conv Conf
Total Non-Conforming
Total Gov't
Total Conv Conf
Total Non-Conforming
Total FHA
Total VA
Total Rural Development
Total FHA
Total VA
Total Rural Development
Grand Total
Grand Total
7. November 10, 2015 Page 7 of 8
Wells Fargo Funding - Correspondent Client Performance Scorecard For September 2015
Except where noted data shown is as of end of business September 30, 2015.
Apex Home Loans, Inc
Generated:
Early Payment Defaults
Early Payoffs
Loans purchased in a 24 month period ending 4 months prior to the current month and 90 days or more delinquent in the first 4 payments to Wells Fargo.
Loans paid off within an initial servicing period as specified by Wells Fargo policy. Data shown is based on billing month and may not reflect the month a payoff actually occurred.
*No Early Payoffs were billed for December 2012.
Detail by Product
Detail by Product
0 $- 0 $-
0 $- 0 $-
Grand Total
Grand Total
3 Months Ago
3 Months Ago
FHA Fixed Rate 0 $-
FHA ARM 0 $-
$-
$-
$-
$-
Conv Conf Fixed Rate 0 $-
Conv Conf ARM 0 $-
$-
Non-Conforming Fixed 0 $-
Non-Conforming ARM 0 $-
$-
FHA Fixed Rate 0 $-
FHA ARM 0 $-
$-
$-
$-
$-
Conv Conf Fixed Rate 0 $-
Conv Conf ARM 0 $-
$-
Non-Conforming Fixed 0 $-
Non-Conforming ARM 0 $-
$-
Sep-15
Sep-15
$- 0
$- 0
0
0
0
0
$- 0
$- 0
0
$- 0
$- 0
0
$- 0
$- 0
0
0
0
0
$- 0
$- 0
0
$- 0
$- 0
0
12 Month Trend
12 Month Trend
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
$-
Total Rural Development
Total Rural Development
0
0
0
0
0
0
0
0
0
0
0
0
Total FHA
Total VA
Total FHA
Total VA
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
0
$-
1
$0.40
1
$0.27
0
$-
0
$-
2
$0.46
0
$-
0
$-
0
$-
0
$-
Total Gov't
Total Conv Conf
Total Non-Conforming
Total Gov't
Total Conv Conf
Total Non-Conforming
Units
Dollars
Units
Dollars