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MReport February 2018

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TH E M R EP O RT | 3 CO NTE NTS 28 | TH E M R EP O RT SPECIAL ADVERTISING SECTION // E-LENDING GUIDE Black Knight, Inc. KEY PERSONNEL Tom Sanzone CEO, Black Knight Joe Nackashi President, Black Knight Tom Peterson President, Black Knight Lending Solutions Division Andy Crisenbery SVP and Managing Director, Black Knight Lending Solutions Division STAFFING 4,672 Employees CONTACT INFORMATION 601 Riverside Ave. Jacksonville, FL 32204 Phone: 904.854.5100 Email: AskBlackKnight@BKFS.com Web: BlackKnightInc.com CORPORATE PROFILE Black Knight is a premier provider of technology, data and analytics solutions to the mortgage and consumer loan, real estate and capital markets verticals, known for product excellence. By deliver- ing innovative, seamlessly integrated products with superior capabilities, functionality, and support, Black Knight enables its clients to realize greater efficiencies, drive improved financial performance, and better manage and mitigate risk. COMPANY HISTORY Black Knight's earliest predecessor company was founded in Jacksonville, Florida, in 1962. As a lead- ing fintech company for more than 50 years, the company has continued its commitment to deliver innovative and integrated solutions that provide end-to-end capabilities, and that automate all areas of loan servicing. BUSINESS LINES, SERVICES, AND PRODUCTS Black Knight offers leading technology across the loan lifecycle. Specifically, Black Knight's eLending strategy is built on the importance of integration, collaboration, access to comprehensive data, an intuitive user experience, and cutting-edge technol- ogy. Throughout the entire lending life cycle—from application processing to underwriting, closing, post-closing, servicing and the move to the second- ary market—Black Knight provides a full spectrum of solutions to make the process more effective, cost- efficient, and collaborative among all involved parties. GEOGRAPHICAL SCOPE AND COVERAGE AREA First mortgages and home equity loans in the U.S. KEYS FEATURES AND BENEFITS Black Knight's LoanSphere Expedite Close solution includes a data-enriched "transaction workspace" that enables all participants to seamlessly interact and collaborate throughout the life cycle of the end-to-end eLending transaction. Expedite Close streamlines a complex and multi-party process, helping to reduce manual practices and errors. A fully "agnostic" solution, Expedite Close is flexible for all parties to utilize as they wish, and supports which- ever vendors are involved in the closing process. LoanSphere Expedite Closing Network (ECN) is a central hub within Expedite Close that connects and streamlines transactions among lenders, settlement agents, and title underwriters. ECN also provides enhanced fraud mitigation through ECN's settle- ment agent management capability, which acts as a security checkpoint for third parties. Expedite Close also features the ability to assist with any non-digital closing processes, including print, pack, and ship capabilities to ensure "wet sign" documents are seamlessly integrated with all eSigned documentation. COMPETITIVE ADVANTAGE Black Knight's eLending offerings are multi-faceted, focusing on providing value to all parties involved in a lending transaction, including settlement agents, lenders, borrowers and any other third-party partici- pants. Black Knight is known for its product excellence, integration capabilities and strong ties with industry experts. These capabilities have established Black Knight as a leader in the mortgage software space. Expedite Close stands apart in the eClosing space providing banking-grade software that is both flexible and scalable. It is also an agnostic solution delivering the freedom from constrained workflows and pre-determined vendor support. ADDED VALUE TO CLIENTS LoanSphere Expedite Close adds value to lenders, title underwriters, settlement agents, and real estate professionals to automate and streamline internal business processes, manage compliance, support the exchange of data and documents among all participants, and accelerate application to close cycle times. Built on proven fulfillment services and infrastructure, users can trust that Expedite Close offers secure services every step of the way. KEYS TO YOUR SUCCESS Beyond the company's proprietary technology, data and analytics solutions, Black Knight has long-term and collaborative client relationships that have been a contributing factor to its success. As a result of these strong relationships, Black Knight has become a trusted partner for some of the largest financial institutions in the country. Black Knight also has a strong track record of con- tinuing to innovate its solutions to meet the evolving demands of the mortgage industry. Additionally, Black Knight is focused on eliminating the barriers that have hindered the adoption of an automated and integrated real estate transaction. INDUSTRY AWARDS, ACCOLADES, AND MILESTONES Hot 100, Presented by Mortgage Professional America FinTech Rankings, Presented by IDC Financial Insights FinTech Forward, Presented by IDC Financial Insights HW TECH100, Presented by HousingWire HW Vanguard Award–Tom Sanzone Presented by HousingWire 14 NO ONE SIZE FITS ALL When it comes to working with today's consumer, tailoring a loan to fit different demographics is crucial. See what today's top companies are offering beyond the 30-year fixed-rate. 18 PUSHING PAST LIMITATIONS Take a step outside of professional comfort zones by leveraging technology, collaboration, and channeling the energy of female empowerment. 22 TAKING THE PLUNGE The dream of homeownership is a goal for many, but the changing mortgage landscape means there are many factors to consider when it comes time to make the leap from renting to buying. Here's how to become a "mortgage mentor" for your clients, and keep them from diving into deep water before they can swim. 26 LIFE IN THE FAST LANE Today's CRM technology is taking the risk out of high-speed sales in the face of a tougher regulatory requirements. SPECTION SECTION 29 E-LENDING GUIDE We present the companies at the forefront of e-Lending. DEPARTMENTS 4 MTECH All Eyes On Expansion 10 TAKE 5 Jodi Morton, VP, Data Governance and Management, Single-Family Division 12 MCROWD Who's moving on and who's moving up in the industry 32 | TH E M R EP O RT SPECIAL ADVERTISING SECTION // E-LENDING GUIDE Arch Mortgage Insurance Company KEY PERSONNEL David Gansberg President and CEO Chris Hovey EVP and COO Sara Millard EVP and General Counsel Cheryl Feltgen EVP and Chief Risk Officer Tom Jeter EVP and CFO STAFFING 869 Employees CONTACT INFORMATION 230 North Elm St. Greensboro NC 27401 Phone: 800.909.4264 Email: archmortgageinsurance@ archmi.com Web: archmi.com and archmicu.com GEOGRAPHICAL SCOPE AND COVERAGE AREA Arch MI is licensed to write mortgage insurance in all 50 states, the District of Columbia, and Puerto Rico. CORPORATE PROFILE Arch Capital Group Ltd.'s U.S. mortgage insur- ance operation, Arch MI, is the leading provider of private insurance covering mortgage credit risk. Headquartered in Greensboro, North Carolina, with significant operations in Walnut Creek, California, Arch MI's mission is to protect lenders against credit risk, while extending the possibility of responsible home ownership to qualified borrowers. Combining operational strength, financial strength, and a commitment to providing innovative, easy-to-use solutions, Arch MI is the preferred MI partner for mortgage lenders nationwide. COMPANY HISTORY Arch MI was founded in 2014, when Arch Capital Group Ltd. completed its purchase of CMG Mortgage Insurance Company. Within two years, Arch MI emerged as a dynamic MI provider, launching in- novative solutions like Arch MI RateStar and Portfolio Power. Lenders seeking a way to differentiate them in the marketplace rapidly adopted RateStar, a risk- based pricing program that more precisely matched MI rates to individual loan risk. At the end of 2016, Arch MI's parent company acquired United Guaranty Corporation (UGC) and merged the two companies' operations, making Arch MI the largest U.S. provider of MI products and services. REGULATORY COMPLIANCE Arch MI is fully compliant with the GSEs' Private Mortgage Insurer Eligibility Requirements (PMIERs) and is an approved MI provider for both Fannie Mae and Freddie Mac. BUSINESS LINES, SERVICES, AND PRODUCTS Arch MI specializes in providing innovative solutions that expand origination opportunities while enhancing efficiencies and ease of use. RateStar is the compa- ny's dynamic risk-based pricing that matches MI rates more precisely to individual loan risk. Arch Mortgage Guaranty Company (AMGC) supports portfolio lend- ing for eligible mortgage loans that "fall outside the box" – including non-Qualified Mortgage (QM) loans, Jumbos, and loans intended for private securitization. KEY FEATURES/BENEFITS • Industry leadership as the largest mortgage insurance company. • Leadership in industry innovation, demonstrated by Arch MI's RateStar dynamic pricing solution and AMGC for loans intended for private securitization. • Operational strength, supported by seasoned professionals and best-in-class technology. • Financial strength, exemplified by Arch MI's compliance with PMIERs. • Institutional expertise, provided by experienced risk managers. • Customer service excellence, delivered by trained sales and underwriting teams. COMPETITIVE ADVANTAGE Arch MI is the leader of the mortgage insurance space but also its innovator. The company's ability to provide new and compelling MI solutions that lever- age the latest tech developments and directly benefit its customers is Arch MI's acknowledged competitive advantage. With Arch MI as their partner, lenders have more origination opportunities and the confi- dence to take advantage of them. ADDED VALUE TO CLIENTS Arch MI offers lenders a powerful combination of unri- valled financial strength and tech innovation, allowing them to explore profitable new opportunities, differenti- ate themselves in the market, and compete effectively for purchase business. Arch MI creates the single best customer experience in the industry—in its personal interactions, in the customer-focused solutions it pro- vides, in the customer-facing systems that support the company's business. Only Arch MI has the necessary financial and operational strength and drive to introduce genuine innovation to the MI industry, creating unique solutions that directly benefit lenders in terms of cost, speed, convenience, and efficiencies. KEYS TO YOUR SUCCESS Arch MI's dedicated teams are focused on providing customers a fast, friction-free customer experience at every stage of the loan cycle. To achieve this, Arch MI focuses on: • Listening to its customers describe their challenges. • Identifying customers actual business needs within those challenges. • Leveraging Arch MI's resources, talent, and operational support to successfully develop and execute innovative MI-based solutions that address those needs and exceed expectations. INDUSTRY AWARDS, ACCOLADES, AND MILESTONES In 2017, Arch MI was recognized with the following: • MReport: Women of Impact—Leading Ladies— Sara Millard • HousingWire: Women of Influence Award—Sara Millard • HousingWire: Tech 100—RateStar • HousingWire: Vanguard Awards—Andrew Rippert • MarCom Awards—Arch MI / United Guaranty Acquisition—Arch MI Together Is Better campaign • Triad Business Journal: 40 Under 40—Sara Millard The mortgage industry has seen great strides in the world of e-lending, as technology providers have explored every aspect of the lending process with inventiveness and insight, making the process faster, easier, and securer for everyone involved. As both lenders and borrowers increasingly rely on technology to organize and simplify every aspect of their lives, the need for effective e-lending tools continues to rise. This month, MReport is proud to feature the industry's top e-lenders—companies that have successfully adapted their strategies to our technology savvy world. Take a look at the firms that are at the cutting edge of e-lending with elegant solutions that serve lenders and borrowers alike. E-LENDING GUIDE P R E S E N T S Special Advertorial Section TH E M R EP O RT | 29

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