MReport March 2020

TheMReport — News and strategies for the evolving mortgage marketplace.

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M R EP O RT | 41 Top 25 Fintech Innovators HEADQUARTERS LOCATION: Dallas PHONE: 914.330.4031 WEBSITE:, HEADQUARTERS LOCATION: Denver PHONE: 303.796.3918 WEBSITE: Mortgage Venture Partners & Strategic Venture Partners Motto Mortgage COMPANY DESCRIPTIONS: Mortgage Venture Partners is the first fintech empowered end to end, closed loan mortgage conduit aggregator (mortgage loan investor) that specializes in the creation of new and improved lending programs in the residential (non-QM/QM irrelevant) and business purpose loan spaces. Strategic Venture Partners is a strategy firm specializing in bringing financial expertise to fintech firms to optimize origination, asset man- agement, servicing and structured finance. The firm also has a full tech-enabled asset management/servicing oversight division, wherein it overseas and decisions assets for their own book of business, as well as for third parties. INNOVATION SPOTLIGHT: • Mortgage Venture Partners Platform—allows for real time deci- sioning and transparency between it and their lender partners. For example, if a lender has an exception on a loan, they can submit an exception review package and click a link to speak immediately, face to face with one of Mortgage Venture Partners' credit team decision mak- ers. Along with other enhancements, this allows originators to close more loans faster, thus increasing production and revenue streams. • Strategic Venture Partners Fintech Partnerships—help save time with better quality and better risk-insulated outcomes. Strategic Venture Partners works with fintech companies to address pain points in origination, asset management, servicing and structured finance. Some of the solutions include fully transferable ACH with early delinquency trigger reporting, fintech empowered HELOC mortgage loans, asset management overlaid valuations, and point of sale and automated end to end underwriting engines. COMPETITIVE ADVANTAGE: Mortgage Venture Partners and Strategic Venture Partners not only create technology but also use it in their own operating businesses in addition to offering it to the broader market. Thus, unlike most fintech the solutions they offer have been used and tested in the spaces they are optimizing as well as in the actual operations that they are looking to enhance. COMPANY DESCRIPTION: The Motto Mortgage network is breaking the mold by giving the power of choice back to consumers with less jargon, more transparency, and even more options as they shop for the right home loan. With over 100 offices open in more than 30 states, Motto Franchising LLC's unique national franchise mortgage brokerage model is the first of its kind in the United States. Created to disrupt the mortgage industry, the Motto Mortgage network is designed to connect loan originators and real estate agents to provide a seamless, personalized experience and one- stop shop for consumers. Motto Mortgage is the second member of the RE/MAX Holdings Inc. family of brands. Each Motto Mortgage of- fice is independently owned, operated, and licensed. INNOVATION SPOTLIGHT: • MottoCenter Automation—a single sign-on portal to all the tools and services Motto Mortgage provides to its franchisees. Network users have just one password to remember. Each tool, including the marketing automation system, MottoSpark powered by Total Expert, the Motto University learning system and the Online Reputation Management platform are completely set up when the mortgage broker or loan originator gets access for the first time. Each new user will find their office-level and individual details have been pre-configured into all their new systems—from a headshot on their website to custom state specific disclaimer language. This enables the franchisees to skip software implementation and get right to the business of originating mortgages—leveraging the power of the highly integrated MottoCenter Automation services from day one. COMPETITIVE ADVANTAGE: While the business of franchising is always to sell a "playbook," no one has ever developed that playbook for a national network of mortgage brokerages in the United States. The brand has received numerous ac- colades since it was launched three years ago, including ranking 1st in the Miscellaneous Financial Services Category of Entrepreneur maga- zine's 2020 Franchise 500® list based on an analysis of data, including costs and fees, support, size and growth, brand strength, and financial strength and stability, from franchise disclosure and related documents dated August 2018 to July 2019 of 1,105 participating franchise systems.

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