• CU Partners is a division of Stearns Lending, Inc. (established 1989)

• Licensed in 49 States + D.C.

• Funded $25 Billion over past 3 years (100,000+ loans funded ‘in-house’)

Built by credit union people for credit unions.

WHY CU PARTNERS

We offer people, process and technology to customize the program you want:

BUILD YOUR MORTGAGE PROGRAM

• Member Education

• Mortgage Resources

• Secondary Marketing

• Fulfillment capabilities

• Loan Servicing

• Origination

• Product Selection

• Staff Training

• Cross Selling

• Customer Care

• Flexibility

• Access to experienced service provider

• Workflow expertise in critical areas

• Flexible:

PARTNERING BENEFITS

• Competitive rates and fees

• Full product line

• Expanded member benefits

Business Model Staffing & Scalability

• CUPartners.com

• WebTrac – real time reporting

• Daily rate sheet access

• The Home Loan Center

Member can apply online

24/7 Access – Can be linked to your website

PRODUCT CHOICES

Traditional products to choose from:

• Conventional, Jumbo

• FHA, VA, Reverse Mortgage

• Ongoing consulting services

• Customize new loan programs

• Strategies for loan portfolio growth

PRODUCT CHOICES

Multiple lending channels available

• Correspondent

• Wholesale

• Retail

• Portfolio Lending

• Contract Services

PRODUCT CHOICES

Select just one or use them all:

• Operations support

FULFILLMENT CAPABILITIES

Customer Service

Processing

Underwriting

Document & Funding coordination

Closing

Servicing(Multiple Automated Underwriting Engines)

• Fixed fee transaction fulfillment

• Efficient turn times (currently 30 days)

Choices for the direction of the funded assets:

• Place in Credit Union portfolio – asset growth

LOAN DELIVERY SOLUTIONS

First Right of Refusal

• Secondary Market – sell assets

Private placement

Visit us online at:

CUPartners.com

CUPartners.com