JVPartnership-Recruit-Booklet Print FINAL

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PARTNERSHIPWITH APURPOSE

MortgageCompanyBuilding Powerful Partnerships Since 1984

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Over 90% of Shelter’s transactions are purchase.

ADVANTAGE

THE

SHELTER

3 THE SHELTER ADVANTAGE

4 ABOUT SHELTER

5 LEADING BY EXAMPLE

6 SHELTER MORTGAGE PARTNERSHIPS

8 PARTNERSHIP BEST PRACTICES

9 SUPERIOR SUPPORT

10 OPERATIONAL EXCELLENCE

11 COMPANY HIGHLIGHTS

12 COMPLIANCE AND LEGAL SUPPORT

12 TIMELINE FOR FORMING A JOINT VENTURE

16 NEXT STEPS TO A SUCCESSFUL PARTNERSHIP

17 PEOPLE ARE TALKING ABOUT SHELTER

18 FOR ONCE, IT’S ALL ABOUT YOU

Shelter is the most experienced partner in the business and is owned by

one of the most prestigious, significant and well capitalized firms in the

industry. We understand how and why JV businesses are uniquely different

from the traditional retail mortgage business. This is why Shelter Mortgage

has been a trusted JV partner for 30 years. We have a proven track

record of approaching this business with a proven and genuine attitude of

partnership.

We understand the importance of this partnership to your business.

We understand your interest in considering a JV model. We have the

efficiencies, scale, flexible business models that can be custom tailored to

meet your unique business needs and objectives. In essence, we are experts

working with experts.

Purchase Focused and Purchase Driven Many other lenders are learning the nuances of the purchase process.

Fortunately, we are already experts in that space and have been so for over

30 years.

Join the Shelter Family and You’re a Member for Life We pride ourselves on creating a culture where all of our employees feel

like they are part of the shelter family and ensuring that every employee is

empowered with the right support and tools to not only be successful but

become a leader within their respective market. Despite our recent growth the

average Shelter Employee has been in the Shelter family for almost 6 years.

Employees with Shelter Over 5 Years:

PURCHASE

90%

REFI10%

NUMBER OF EMPLOYEES

YEARS

5

5

10

15+

10 15 20 25 30 35

61 Employees have been part of the Shelter family for over 10 years.

FOR YOU

HERE’SWHAT WE HAVEIN STORE “I enjoy working for Shelter

because they keep abreast on policy, laws, guidelines,

changes etc. You always know what is going on and always have the updated tools to function in your

position. What I think sets Shelter apart from other

lenders is the commitment to the company and

the close “family” like relationship each employee

has with one another. Everyone is very close and works so well together. It

really helps to accomplish our one common goal of fulfilling our borrowers

American dream especially at our peak times.”

Bridget Bohte Pricing Analyst

Lock Desk since 2003

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Jerry Schiano, Chief Executive Officer, New Penn Financial

Mr. Schiano was the founder (1999) and CEO of Wilmington Finance Inc., a top-15 originator of

Non-Agency residential loans with over 2000 employees. Originations at Wilmington Finance rose

to $15B. Mr. Schiano sold Wilmington Finance to American General Finance, a subsidiary of AIG, in

2002 and continued to manage the Company through April 2006. Upon the expiration of his non-

compete, Mr. Schiano formed New Penn in March of 2008 and is currently its CEO. He is also a

member of Shellpoint Management Holdings LLC. Prior to Wilmington Finance, Mr. Schiano was Sr.

Vice President of ContiMortgage Corporation where he was responsible for marketing, Correspondent

sale force management, and Retail Call Center marketing. Mr. Schiano is a Magna Cum Laude

graduate of C.W. Post Long Island University with a B.S. in Marketing and Economics.

Amy Brandt Schumacher, President, Mortgage Originations & Corporate Technology

Ms. Schumacher oversees all loan origination activity for the organization’s three business channels.

She also leads New Penn’s Information Technology group, and drives focus on aligning the needs

of the business units, customers, and clients with New Penn’s internal systems and customer

interfaces. Prior to joining New Penn Financial, Ms. Schumacher served as COO for Prospect

Mortgage and formed Vantium Capital, Inc. and Vantium Capital Management with Apollo L.P.,

a leading private equity firm. Ms. Schumacher holds a Bachelor’s degree in Political Science and

Government from University of Southern California, and earned a Doctor of Law (J.D.) from Arizona

State University.

Brian Mitchell, Executive Vice President, Retail Lending

Brian oversees all of New Penn’s Retail business channel originations, including its Preferred

Distributed Retail division and its Shelter Joint Venture Retail team. The addition of this EVP

role will enable more unified coordination between the two groups in terms of recruiting, hiring,

onboarding, training, marketing, operations, and overall channel growth. Prior to joining New Penn

Financial, Mitchell held senior management positions with financial services companies including

Pacific Union Financial, Envoy Mortgage, and National City Mortgage (PNC Bank), bringing with

him over 20 years of success in the mortgage industry. Brian is based out of Dallas, TX.

Corey Caster, Senior Vice President, Shelter Mortgage Company

Corey Caster heads Shelter Mortgage Company for the New Penn Financial family of companies.

Previously, Mr. Caster was the SVP of National Production for Premier Nationwide Lending,

a $2 Billion annual volume Mortgage Banker. He has been in key production and operational

management positions throughout his career, including Legacy Mortgage Services which he founded.

Mr. Caster has a Marketing degree from the Boler School of Business at John Carroll University.

Randy Vanden Houten, CFO, Shelter Mortgage Company

Randy Vanden Houten is the CFO of New Penn’s Shelter Mortgage Company Retail division. Prior to

Shelter, Mr. Vanden Houten held various positions within Guaranty Bank over the course of 18 years

(Vice President, Controller, Executive Vice President, Chief Financial Officer). He holds a Bachelor of

Business – Accounting from St. Norbert College in DePere, Wisconsin.

Our executive management team has been hand selected because of their own success, their desire to bring out the best in others, and the understanding that the best of companies are built by outstanding employees.EXAMPLEBY

ABOUT LEADINGSHELTER

Strength and Longevity Like an oak tree planted over 85 years ago, we have stood

through many seasons and seen many storms. Because our

roots are deep and our base is strong, we will continue to thrive

through many more.

At Shelter Mortgage, we have the solid backing of our parent

company, an over 85 year old federally chartered bank on

its fourth generation of family leadership. Plus, our loans are

funded primarily from the deposits of our hundreds of thousands

of bank customers. This added financial stability means you can

count on our loans being ready and funded at closing.

We helped pioneer the concept of mortgage partnerships •

back in 1984

We earn your business by taking pride in the profitability •

and growth of our partnerships

We have the right mortgage for your customers through •

our hundreds of competitively priced loan programs

Hard Work. Integrity. Superior Service. Respect.These are the core values of Shelter Mortgage. It’s how we do

business with our customers and how we work with each other.

We may resemble other mortgage lenders on the outside, but

inside is a rich history of innovation, entrepreneurial spirit, and

vision that laid the foundation for our success.

Exceeding the expectations of our customers can only be

achieved when we apply the principles in our mission statement

internally at our organization. By treating employees with the

same service, processes and communication methods, we expect

confidence will exude to your customers.

Exceed the expectations of our residential mortgage borrowers and business partners through superior service, simple processes, and effective communications.

—Our Mission

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There are many reasons our business continues to succeed, but the single most important reason is the quality of our long-standing partnerships.MORTGAGE

SHELTER

PARTNERSHIPS

Shelter Mortgage exclusively focuses on supporting •

realtor, builder, relocation company, and other

partnership lending businesses

We have operated RESPA-compliant lending •

partnerships for 30 years

In September 2014 we were aquired by New Penn •

Financial and currently manage 25+ partner relationships

Financial services provided for JV Partners•

Our Partnership Lending Platform Flexibility to Customize Our Partner Brands

“Our goal was to design a company that genuinely focused on the customer - where through superior service, simple processes, and effective communication, we would deliver a best-in-class experience to all.”

Shelter Strengths

30+ years of experience operating RESPA compliant •

affiliated business relationships

Management team with years of experience in the joint •

venture space

Geographic and partner diversity: •

- Realtor

- Builder

- Relocation

New Penn Strengths

Broad product offering (Agency, Non-Agency, and •

Proprietary Products)

Fully integrated mortgage servicing offering to control the •

borrower experience

Strong capital base and mortgage industry experience•

Technology platform and corporate support resources of •

a $7 billion originator (Risk, Legal/Compliance, Capital

Markets, Marketing, HR, Finance, etc.)

The Shelter-New Penn Partnership: A Powerful Combination For Partnership Lending

New Penn Financial, with the help of Shellpoint Partners, has

established a vertically-integrated residential mortgage banking

platform with diversified revenue sources and capabilities that

are the perfect support structure to help enable and grow our

Shelter presence.

Self-sufficient lending platform including loan originations •

through servicing

Capital market expertise•

Financial strength•

Retaining servicing on 90% of originated loans (currently •

servicing a portfolio of $26 billion)

Fully invested in the mortgage finance business•

Our Outstanding Alliance Of Businesses

Purchase Focused

Appraisal Mgmt. Lending

Supporting Entities

Parent CompanyBuilding A Solid Foundation for Innovation

MortgageCompany

Title Brokerage Title Brokerage

Mortgage Servicing

PARTNERSHIPPURPOSEWITH A

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Because of our proven experience in supporting successful Joint Ventures, we have determined best practices methodology to increase productivity and efficiency, and increase revenue for our partners.

We seek to empower your success and the success of your team by

employing the absolute best practices to ensure this relationship is

beneficial for all. We do this by remaining educated and communicative in

the following ways:

Annual Venture Manager Meeting Each manager shares information regarding their partnership and •

what is helping them to increase profitability

Topics shared include product knowledge, marketing efforts, •

partnership successes, and improved efficiencies

Managers discuss the future of Shelter Mortgage and how they can •

improve profits for Shelter and their partners

Strategies are shared and developed on how to increase capture •

rates in partnerships

Monthly Manager Calls Each month, Shelter Branch Managers and Corporate work together to

update each other on what is happening in each partnership. The branches

needs are addressed and their successes celebrated.

Marketing Toolbox The Marketing Toolbox provides one source for all loan officers’ marketing

needs. When customized pieces are requested from loan officers, they are

posted to the Marketing Toolbox for all to use.

RESPRO Conference Twice a year, Shelter Mortgage attends the RESPRO® (Real Estate Services

Providers Council) Conference to learn about improved practices that

contribute to successful Joint Ventures. At this conference, we:

Aquire new regulatory compliance strategies so we are always •

compliant with our Joint Ventures

Attend “Best Practices” Sessions, Regulatory Workshops, and Idea-•

Sharing Roundtables

Join and learn from executives from the country’s leading real estate •

brokers, home builders, mortgage lenders, and title/settlement

service companies

PRACTICESBESTPARTNERSHIP

Marketing Materials with YOUR Logo:

Brag-Worthy Marketing

Automated Social Media Engagement

HR: Robust Yet Easy On-BoardingOur Human Resources department takes the lead to make

sure all employees are set up with the basics, trained, and

comfortable with our systems and technology.

This includes:

Complete set up of equipment, log in’s, and •

business cards

An onboarding portal and training center•

Training on all tools offered•

Consistent career development•

Maintaining an ongoing relationship with the training •

team, marketing, and manager

Marketing: Show Off and Be Heard Our dedicated marketing department has what you’ll need to

show off our extensive product offering and added benefits to

your pipeline.

Our partners enjoy:

A professionally designed website •

Vast collateral library with co-branding capabilities•

Educational Materials for Referral Partners•

CRM Activation•

Automated Pre-Qual & Post Closing Campaign •

Automated Social Media Engagement via our state-of-•

the-art social media CRM

SUPPORTSUPERIOR

Shelter Mortgage Company has a tried and true comprehensive onboarding transition process that ensures you hit the ground running so there is no gap in production and no growing pains.

Educational Materials for Referral Partners & Borrowers

Hundreds of Product Specific, Educational, and Call-to-Action Flyers Available Instantly

Professionally Designed Websites

Social media posts are automatically

generated FOR our LOs and posted on

their Twitter, LinkedIn, and Facebook

feeds. This way they can focus on what

they do best while we handle important

social media marketing for them.

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Partnership Operations is integral to the way we our loan origination and fulfillment

team works efficiently to close loans on time. Defined processes for

underwriting and processing leaders help them manage their teams’

pipelines, and we make sure that no person carries more than 20 loans.

At Shelter, we are aligned—everybody involved in the origination process is

dedicated to making the transaction a pleasant experience for the borrower,

without the worry and complexity that has occurred in the past.

Local and Accessible Our processors are seated right next to the loan officers in our retail offices.

We believe this builds unity and support to make sure borrowers are served

in the markets where they are buying their home.

Processor’s Role:

Make welcome calls•

Collect documentation from the borrowers and/or loan officers •

Communicate with the underwriters to troubleshoot conditions•

Tough deals are never reason for concern with our underwriters who are

always a phone call away (and in some cases, located in market as well).

Underwriters work with loan officers on scenarios and solutions for tough

deals. Everybody works together to get the borrower to the closing table, on

time, every time.

Discover Leadership that Cares About Your PipelineIf you are looking for a management team that genuinely cares about your

pipeline of loans as much as you do, welcome to Shelter Mortgage. Every

level of management is accessible and ready to help you problem solve.

A dedicated pipeline manager per region monitors the pipeline daily to

ensure that all loans are moving along as they should and address any

issues as they arise. Their job is to remove all obstacles so your loans are

ready for closing 3 days prior to closing. Measuring performance each

month, and setting goals to increase speed and efficiency helps us exceed

expectation with each subsequent loan.

We are aligned—everybody involved in the origination process is dedicated to making the transaction a pleasant experience for the borrower, without the worry and complexity that has occurred in the past.

OPERATIONALEXCELLENCE

Processors working closely with borrowers

Underwriters who are

focused on solutions

Leadership who cares about

your success

HAPPY BORROWER

COMPANYHIGHLIGHTSWe close loans that others can’t. Our expansive product line includes agency and government programs plus proprietary non-agency products.

Brag-Worthy Success Top 20 mortgage lender in the •

United States

“A” rating with the Better Business •

Bureau

$32.9 Billion servicing portfolio•

Direct seller/servicer to Fannie Mae, •

Freddie Mac, and Ginnie Mae

New Penn Financial originates •

conventional, government, and

non-agency, portfolio, and state

bond programs

Shellpoint Partners provides capital •

markets capabilities to privately place mortgage-back

securties. We can issue private-label, residential mortgage

back securities with our SEC approved registration filing.

Over 1,900 employees and growing•

New Penn, via Shellpoint Mortgage Servicing, retains over •

80% of the mortgage servicing rights on loans we originate

Our Impressive Line of Products

Non-Agency:

Suite of high balance jumbo products including 5/1, 7/1, •

and 10/1 ARMs

Non-QM:

Home Key: For borrowers who have experienced a credit •

event, but are otherwise creditworthy.

Home Buyer Power: Pristine creditworthy borrowers who •

do not fit the existing underwriting criteria for government-

backed and agency mortgages.

Foreign National: Includes 2nd Home and Investment •

properties.

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SUPPORTLEGALCOMPLIANCE AND

JV RESPA Requirements

12 USC §2607(c)(4) provides that nothing in Section 8(a) of RESPA shall

be construed as prohibiting affiliated business arrangements, so long as

three requirements are met:

The referring party gives an ABA disclosure at time of referral•

The referring party does not require the use of a particular settlement •service provider (in this case, the partner could not require the use of the JV as lender)

The only thing of value received by the JV parents is the return on •respective ownership interests

HUD 10 Factor Balancing Test

This test assesses whether, notwithstanding compliance with the 3

requirements, a JV is in violation of RESPA.

Does JV have sufficient initial capital and net worth, typical in the •industry, to conduct business as a mortgage lender?

Is the JV staffed with sufficient employees to perform the activities of •a mortgage lender?

Does the JV manage its own business affairs, or does it rely on one •of its creators/parents to manage it for the parent making referrals?

Does the JV have an office separate from that of one of its parent •providers? If not, has it entered into an arm’s length lease for market based rent payments?

Is the JV providing substantial services, i.e., the essential functions •of a mortgage lender, for which it receives a fee? Does it incur the risks and rewards of comparable enterprises?

Does the JV perform all substantial services itself, or does it contract •out part of the work?

If the JV contracts out essential functions, does it obtain services •from an independent 3rd party, or from a parent company?

If the JV contracts out work, is it paying for those services in •accordance with market rates?

Does the JV compete in the marketplace for business, or is it •obtaining business exclusively from one of its parent companies?

Does the JV lender sells loans exclusively to one of its parent •companies?

JV Legal FrameworkWe endeavor to design JVs so they adhere strictly to the RESPA

requirements and can withstand the HUD 10 factor balancing test.

The acquisition of Shelter maintained Shelter’s legal and operating structure which provides significant options with respect to onboarding new relationships.

STRUCTURELEGAL

Legal Agreement DefinitionsJoint Ventures (regardless of the form) are governed by a comprehensive set of legal and operating agreements to ensure

proper governance, entity independence, and compliance.

JV Operating Agreement

Main document that governs the overall structure of

the venture including governance, capital contribution

requirements, distribution policies, management and

employee relationships, etc. Key governance structure is

an operating committee comprised of representative of the

Members of the venture.

Warehouse Agreements

Warehouse or repo facilities used to fund originations prior to

loan disposition. As an independent originator, the JV entity

must have recourse as a separate Obligor or Seller under a

warehouse agreement.

Correspondent Loan Sale Agreements

Flow purchase / sale agreement between JV and take-out

investor(s). As an independent originator, the JV entity must

make reps/warranties with respect to its loan production and

have recourse for unsaleable loans and/or losses resulting

from repurchases of defective loans.

Services Agreements

Agreements governing the provision of outsourced services

(e.g., processing, underwriting, closing, secondary, etc.) to

the JV. Services charged based on market competitive pricing

and cost allocations.

Holding company for the integrated set of mortgage businesses•Capital Markets functions for non-QM products•

Main operating subsidiary for partnership lending businesses. Separately licensed in 20+ states•Shelter MSA business operated from the SMC entity•

Main operating subsidiary for mortgage origination •activities. Licensed in 48 states (including OH)Operates three channels: Call Center, TPO, & Retail•20+ MSAs operate from the NPF entity•

Multiple standalone JVs typically licensed in 1-3 •states and HUD approved

Technically a division of New Penn Financial, SMS •provides mortgage servicing90%+ of new originations are serviced by Shellpoint •Mortgage Servicing

Several realtors and brokers partnering under •one umbrellaLeveraging resources, capital, technology, marketing•

New Penn Financial

Various Standalone Joint Ventures

Shellpoint Mortgage Servicing

JV Consortium

Shellpoint Partners

Shelter Mortgage Company LLC

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TIMELINE FORFORMING A JOINT VENTURE

$1,000,000 minimum HUD requirement based on •

annual FHA volume

- Additional capital may be required depending on the

FHA volume that is funded

Additional funds required for startup costs and expenses •

until profitability

Contribution percentage matches ownership split•

Capital Contribution Requirements

1-2 Weeks 45-120 Days 30-60 Days Prior to Go-Live

Establish Legal Identity File Applications (HUD & State) Prepare for Originations Onboarding

Required to Start

Execute Operating Agreement•

Execute Services Agreement•

Capital funded•

Legal name established•

Company Set-Up

Open bank account•

Obtain TIN•

Register with state•

New payroll company / register with benefit •plans (30 days)

Loan Origination System Branch Set-Up

Pricing•

Fees•

Appraisal panel•

Smart GFE/Title•

FHA Connection•

VA WebLGY•

Credit vendor•

MERS•

MI companies•

Determine affiliates•

Requirements

Audited financials•

Qualified Individual/ Control Person employed by company•

Executed lease(s)•

Bond and updated insurance policies•

Add to warehouse lines or Letter of Intent•

Required signage•

Additional Applications

VA•

Rural Housing/USDA•

State/county/local housing authorities•

Branch Onboarding

Facilities •- Leases - Equipment - Telecom

Websites•

Marketing Collateral•

Employee Onboarding

MLO licensing and sponsorship•

Comp agreements & offer letters•

Computers/equipment•

Training•

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NEXTSTEPS

SUCCESSFUL PARTNERSHIP

TO A

Appendix – High Level JV Launch Plan

Legal/Licensing: Operating Agreement, Entity Creation, State

Requirement Set-Up, Investor/Government/Warehouse Set-Up,

HUD Set-Up, VA Set-Up, NMLS Updates

HR: Payroll Set-Up

Servicing: MERS Set-Up

Appraisal Management: Preferred Appraisal Set-Up

Vendor Management: Create/Update Contracts

Product Development: Investor & MI Company Notification,

Desktop Originator Set-Up, Bond Authority Set-Up

Secondary: Product Set-Up, Rate Sheet Set-Up, Broker Fee Set-

Up

Finance: LOS Updates, GL System Updates,Checking Account

Set-Up, Financial Reporting Updates, Expense Report Set-Up

IT Systems: LOS Updates, Document Updates, Ancillary System

Set-Up - Top of Mind and Marksman, Report Updates

IT Communications: Voice and Data Set-Up, PC and Hardware

Set-Up

Marketing: Website Updates, Signage Updates, Marketing

Systems Updates

L&D: Communication and Training Plan Creation,

Communication and Training Delivery

We have several HUD Approved JV entities including our consortium, Partners United.

“Shelter has been a breath of fresh air. They have the systems, back office and products for our loan officers to shine, while maximizing

our profits.” — Mike Pappas, CEO - Keyes Realty, Partner of Capital Partners Mortgage since 2012

“In all of our core services, we have always sought out a partner who is knowledgeable, reputable and responsive to our needs,

giving us the confidence and peace of mind to allow them to handle their aspects of the business, allowing us to focus on what

we do best. For us, that is what we have always found in Shelter Mortgage Services and now in New Penn Financial. They

share our focus on the customer and making the real estate transaction as smooth as possible. We know that our clients are

going to be served with a wide array of products and competitive rates and guidelines, but more importantly, by a partner

who will do what they say they will do and deliver results.” — Michael C. Scarafile, President Carolina One Real Estate Services,

Shelter Mortgage Partner since 1995

“Thanks for making everything go according to plan! I’ve closed 4 home loans since 1995, and by far working with you was the easiest

and best experience I’ve ever had. Thanks again!” — Caryn G., Tucker, GA

“After using you twice for mortgages, I can’t imagine ever needing to go anywhere else. Both times the rates were low, effort was small

on my part, and the service was fantastic! Thanks for all your help!” — Kelly B., Atlanta, GA

“The relationship with my Keller Williams office has afforded me a larger business than ever imagined. It is very demanding but also

very rewarding financially and in building relationships with agents. We have the opportunity to be in front of Realtors (our number

one referral source) every day.” — Nancy Grieve, Senior Loan Officer, Shelter Lending Services

“The market is crazy busy and from top to bottom at Shelter the support has been tremendous! Folks are willing to come in early, stay

late, and do whatever it takes to see files through closing. Very proud to have them as teammates!” — Jeff Wojcik, Home Mortgage

Consultant, Summitt Hime Mortgage

TALKINGSHELTER MORTGAGE

PEOPLE ARE

ABOUT

Our Homebuyers

Our Loan Officers

Our Partners

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IT’S ALLFOR ONCE

ABOUT YOUAt Shelter, we are passionate about what we do. We want our customers to brag about their mortgage. Together, we can achieve a customer-first experience for all.

Our Partners Experience:

RESPA compliance•

Significant revenue creation•

Long term asset creation•

Mitigation of risk •

Reduced fixed cost obligations•

Access to decision makers•

Our Sales Agents Experience:

Increased individual productivity •

Greater control over the transaction leading to a better •customer experience

Higher lead retention/conversions, referrals, and repeat •customers

Our Customers Experience:

A better overall home buying and financing experience•

Convenience of competitive one stop shopping •

Working with a financially stable company that is held •accountable by their agent

Deep product offering allowing them to pick the right •mortgage option for them

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MortgageCompany

©2016 Shelter Mortgage Company, L.L.C. All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Shelter Mortgage Company, L.L.C. 4000 W. Brown Deer Road, Brown Deer, WI 53209. Corp NMLS # 431223 (www.nmlsconsumeraccess.org). AL: Alabama Residential Mortgage Licensee; AZ Department of Financial Institutions (license no. 921938). Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. CO: To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm. GA: Georgia Residential Mortgage Licensee # 35660. IL: Illinois Residential Mortgage Licensee. KS: Kansas Licensed Mortgage

Company. MS: Licensed by the Mississippi Department of Banking and Consumer Finance. NH: Licensed by the New Hampshire Banking Department. NJ: Licensed by the N.J. Department of Banking and Insurance. NY: Licensed Mortgage Banker – NYS Banking Department. OR: Oregon license number: ML-5151. PA: Licensed by the PA Department of Banking. VA: Virginia State Corporation Commission (license number: MC-5685). WA: Washington Consumer Loan Company Licensee.