DAILY RATE SHEET. HAZARD/ FLOOD INS. MORTGAGEE CLAUSE Cherry Creek Mortgage Co, Inc., ISAOA 7600 E Orchard Road, #250-N Greenwood Village, CO 80111

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1 Effective Date & Time 12/26/2017 9:34 DAILY RATE SHEET Affordability programs offer great flexibility for your borrowers! FNMA HOME READY: Boarder and ADU income available! FHLMC HOME POSSIBLE: -0- cost home buyer education available from Freddie Mac! EITHER: all program specific guidelines apply TO LOCK FOR PRICING HELP Newton Acker Matt Parrott *Overnight rate/ price protection for loans locked via Connect Extensions.025 per day 3 extensions allowed HAZARD/ FLOOD INS. MORTGAGEE CLAUSE Cherry Creek Mortgage Co, Inc., ISAOA 7600 E Orchard Road, #250-N Greenwood Village, CO FHA ID # VA ID # UNDERWRITING FEE $ A LITTLE HELP FROM MY FRIENDS Newt Acker Inside Sales Support nacker@ccmclending.com Jason Keller Production Coordinator jkeller@ccmclending.com Leslie Grover Production Coordinator nacker@ccmclending.com Matt Parrott Inside Sales mparrott@ccmclending.com Brian Johnson Account Executive bjohnson@ccmclending.com Derek Conrad Account Executive dconrad@ccmclending.com Stacy Poushey VP, Operations, West Coast spoushey@ccmclending.com Sean McCluskey SVP, National Production Mgr smccluskey@ccmclending.com Expiration Dates 15 Day 30 Day 45 Day 60 Day Wednesday, January 10, 2018 Thursday, January 25, 2018 Friday, February 9, 2018 Monday, February 26, 2018 RATES ARE QUOTED AS BORROWER PAID PRICING. Lender Paid Transactions: Broker may not charge an origination fee. Lender Paid Comp will appear on the CD in block A for the first time in accordance with your lender paid comp agreement with CCMC Borrower Paid Compensation must appear in Block A thoughout the transaction, and may not exceed your Lender Paid Comp agreement 1 of 9 All Pricing are indications only and are subject to change without notification SRP is Included in base pricing Pricing is based on Best Efforts delivery

2 Fannie Mae Products - Fixed & High Balance FNMA 30 Yr Fixed C30 FNMA 20 Yr Fixed C20 FNMA 15 Yr Fixed C FNMA 30 Yr Fixed High Balance C30HB FNMA 15 Yr Fixed High Balance C15HB FNMA 30 Yr Fixed Home Ready C30HR (*not subject to Home Ready Adjustment Cap) >= (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000) (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000) (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500) (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125) (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-424, (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) (*not subject to Home Ready Adjustment Cap) (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a Home Ready Adjustment Caps* LLPA Cap (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a LTV > 80% and Credit Score (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a All other LTV's and credit scores (**these adjustments are included regardless of Home Ready LLPA Cap) Loans with Subordinate Financing (non-community 2nd) Product Feature <= ALL loans with subordinate financing (0.375) High LTV PLUS the following LLPA's apply Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a LTV CLTV <720 >=720 Condo (>15 Yr Term) (0.750) (0.750) (0.750) (0.750) (0.750) <= (0.500) (0.250) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a (0.750) (0.500) 3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a (1.000) (0.750) Manuf Home (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a (1.000) (0.750) Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500) **CA Only High Balance Price Adjustments Agency Price Adjustments (Includes FNMA & High Balance) High Balance Cashout (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a 2 of 9

3 FNMA with LPMI FNMA 30 Yr Fixed CT30SIMI FNMA 20 Yr Fixed CT20SIMI FNMA 15 Yr Fixed CF15SIMI LPMI Adjustments (cumulative with the standard Agency Price Adjustments) Lender Paid Single Fico LTV Coverage % 35% Not Available at this time % 30% (1.60) (1.60) (1.60) (2.25) (2.80) (3.30) n/a n/a n/a n/a % 25% (1.20) (1.20) (1.20) (1.70) (2.10) (2.50) (3.05) n/a n/a n/a % 12% (0.62) (0.62) (0.62) (0.75) (0.90) (1.00) (1.15) (1.55) (1.70) (1.85) Adjustments 20 Year Term and Under Cash-Out Refinance Investment 3-4 Unit Rate/Term Manufactured Second Home (0.50) (0.50) (0.50) (0.50) (0.70) (1.00) (1.00) (1.30) (1.30) (1.30) (1.19) (1.19) (1.33) (1.75) (1.75) (1.75) (1.75) n/a n/a n/a (1.19) (1.19) (1.33) (1.75) (1.75) (1.75) n/a n/a n/a n/a (0.53) (0.53) (1.05) (1.05) (1.05) (0.50) (0.50) (0.50) (0.50) (0.70) (1.00) (1.00) (1.30) (1.30) (1.30) (0.25) (0.25) (0.25) (0.25) (0.49) (0.70) (0.70) (1.23) (1.23) (1.23) Agency Price Adjustments >= (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000) (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000) (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500) (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125) (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-424, (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a Product Feature <= High LTV Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a Condo (>15 Yr Term)** (0.750) (0.750) (0.750) (0.750) (0.750) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a 3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a Manuf Home (DU Only) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a **not applicable to detached condominiums (identified by SFC 588) (CA Only ) 3 of 9

4 Freddie Mac Products - Fixed & Super Conforming FHLMC 30 Yr Fixed C30LP FHLMC 20 Yr Fixed C20LP FHLMC 15 Yr Fixed C15LP FHLMC 30 Yr Fixed Super Conforming C30LPHB FHLMC 15 Yr Fixed Super Conforming C15LPHB FHLMC 30 Yr Fixed Home Possible C30HP, C30HPA (*not subject to Home Possible Adjustment Cap) >= (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000) (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000) (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500) (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125) (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-424, (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) (*not subject to Home Possible Adjustment Cap) (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a Home Possible Adjustments** LLPA Cap (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a LTV > 80% and Credit Score (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a All other LTV's and credit scores (**these adjustments are included regardless of Home Possible LLPA Cap) Loans with Subordinate Financing (non-community 2nd) Product Feature <= ALL loans with subordinate financing (0.375) High LTV PLUS the following LLPA's apply Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a LTV CLTV <720 >=720 Condo (>15 Yr Term) (0.750) (0.750) (0.750) (0.750) (0.750) <= (0.500) (0.250) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a (0.750) (0.500) 3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a (1.000) (0.750) Manuf Home (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a (1.000) (0.750) Escrow Waiver** (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500) **CA Only High Balance Price Adjustments Agency Price Adjustments (Includes FHLMC & Super Conforming) High Balance Cashout (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a 4 of 9

5 Fannie Mae Products - ARM FNMA 5/1 ARM C51 FNMA 7/1 ARM C71 FNMA 10/1 ARM C % Margin - 2/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor FNMA Agency Price Adjustments >= (0.250) (0.250) (0.500) (0.250) (0.250) (0.500) (0.750) Loan Amt >=50k and <=75k (2.000) (0.250) (0.500) (0.750) (0.500) (0.500) (0.750) (1.000) Loan Amt >75k and <=100k (1.000) (0.500) (1.000) (1.250) (1.000) (1.000) (1.250) (1.500) Loan Amt >100k and <=125k (0.500) (0.500) (1.250) (1.750) (1.500) (1.250) (1.500) (1.500) Loan Amt >125k and <=200k (0.125) (1.000) (2.250) (2.750) (2.750) (2.250) (2.500) (2.250) Loan Amt >200k and <=300k (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (3.000) (2.750) Loan Amt >300k-424, (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.500) (3.500) (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a Loans with Subordinate Financing (non-community 2nd) Product Feature <= ALL loans with subordinate financing (0.375) High LTV PLUS the following LLPA's apply Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a LTV CLTV <720 >=720 Condo (>15 Yr Term)** (0.750) (0.750) (0.750) (0.750) (0.750) <= (0.500) (0.250) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a (0.750) (0.500) 3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a (1.000) (0.750) Manuf Home (DU Only) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a (1.000) (0.750) Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500) **not applicable to detached condominiums (identified by SFC 588) (CA Only ) 5 of 9

6 Freddie Mac Products - ARM FHLMC 5/1 ARM C51LP FHLMC 7/1 ARM C71LP FHLMC 10/1 ARM C101LP % Margin - 2/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor FHLMC Agency Price Adjustments >= (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000) (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000) (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500) (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125) (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-424, (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a Loans with Subordinate Financing (non-community 2nd) Product Feature <= ALL loans with subordinate financing (0.375) High LTV PLUS the following LLPA's apply Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a LTV CLTV <720 >=720 Condo (>15 Yr Term)** (0.750) (0.750) (0.750) (0.750) (0.750) <= (0.500) (0.250) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a (0.750) (0.500) 3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a (1.000) (0.750) Manuf Home (DU Only) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a (1.000) (0.750) Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500) **not applicable to detached condominiums (identified by SFC 588) (CA Only ) 6 of 9

7 Fannie Mae DU Refi Plus - HARP DU RefiPlus 30 Yr Fixed (<105) C30R DU RefiPlus 30 Yr Fixed (> ) C30R2 DU RefiPlus 30 Yr Fixed (> ) C30R DU Refi Plus Level Price Adjustments DU Refi Plus Fixed & Arm Fico/LTV Grid - Term > 15 years Not Subject to Caps FICO\LTV <= Loan Amt <50k - not allowed n/a >= (0.250) (0.250) (0.250) Loan Amt >=50k and <=75k (2.000) (0.250) (0.250) (0.250) Loan Amt >75k and <=100k (1.000) (0.500) (0.750) (0.750) (0.500) (0.500) (0.500) (0.500) Loan Amt >100k and <=125k (0.500) (0.500) (0.750) (0.750) (0.750) (0.750) (0.750) (0.750) Loan Amt >125k and <=200k (0.125) (1.000) (1.500) (1.750) (1.750) (1.750) (1.750) (1.750) Loan Amt >200k and <=300k (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (2.250) Loan Amt >300k-424, (0.500) (1.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.750) LTV (0.250) LTV (0.500) Investment Property > 80% LTV n/a Product Feature <= Escrow Waiver (0.125) Investment Property (2.125) (2.125) (2.125) (3.375) n/a n/a n/a n/a Condo (>15 Yr Term)** (0.750) (0.750) (0.750) (0.750) (0.750) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) AZ, CA (0.100) 3-4 Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) OK, TX Manuf Home (DU Only) ineligible All Other States **not applicable to detached condominiums (identified by SFC 588) DU Refi Plus Loans with Subordinate Financing Maximum Price Adjustments ALL loans with subordinate financing (0.375) Occupancy LTV <= 80 LTV > 80 PLUS the following LLPA's apply Owner Occupied no limit LTV CLTV <720 >=720 Second Home no limit <= (0.500) (0.250) Investment Property no limit (0.750) (0.500) (1.000) (0.750) (1.000) (0.750) Any >95 (1.500) (1.500) 7 of 9

8 Freddie Mac Open Access - HARP Open Access 30 Yr Fixed (<105) C30OA Open Access 30 Yr Fixed (> ) C30OA2 Open Access 30 Yr Fixed (> ) C30OA Freddie Mac Open Access Level Price Adjustments Open Access Fixed & Arm Fico/LTV Grid - Term > 15 years Not Subject to Pricing Caps FICO\LTV <= Loan Amt <50k - not allowed n/a >= (0.250) (0.250) (0.250) Loan Amt >=50k and <=75k (2.000) (0.250) (0.250) (0.250) Loan Amt >75k and <=100k (1.000) (0.500) (0.750) (0.750) (0.500) (0.500) (0.500) (0.500) Loan Amt >100k and <=125k (0.500) (0.500) (0.750) (0.750) (0.750) (0.750) (0.750) (0.750) Loan Amt >125k and <=200k (0.125) (1.000) (1.500) (1.750) (1.750) (1.750) (1.750) (1.750) Loan Amt >200k and <=300k (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (2.250) Loan Amt >300k-424, (0.500) (1.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.750) LTV (0.250) LTV (0.500) Investment Property > 80% LTV n/a Product Feature <= Escrow Waiver (0.125) Investment Property (2.125) (2.125) (2.125) (3.375) n/a n/a n/a n/a Condo (>15 Yr Term)** (0.750) (0.750) (0.750) (0.750) (0.750) 2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) AZ, CA (0.100) 3-4 Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) OK, TX Manuf Home (DU Only) ineligible All Other States Open Access Loans with Subordinate Financing Maximum Price Adjustments ALL loans with subordinate financing (0.375) Maximum Price Adjustments* PLUS the following LLPA's apply *LLPA's for Loan Amount, LTV>105, and Escrow Waiver LTV CLTV <720 >=720 are not subject to the LLPA cap <= (0.500) (0.250) (0.750) (0.500) (1.000) (0.750) (1.000) (0.750) Any >95 (1.500) (1.500) 8 of 9

9 Government - FHA, VA & USDA Government 30 Year Government 30 Year High Balance Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Government Loan Level Price Adjustments Product Codes Government Price Adjustments (cumulative) Government FHA 30 Year Fixed F30 Fico (additional overlays apply) (2.000) Minimum $50,000 loan amount n/a FHA 30 Year Fixed Streamline F30S Fico (1.250) Loan Amt >50k and <=75k (2.000) FHA 30 Year High Balance F30HB Fico (0.500) Loan Amt >75k and <=100k (1.000) FHA 30 Year Fixed Streamline High Balance F30SHB Manufactured Housing (Min. 620 fico) (1.750) Loan Amt >100k and <=125k (0.500) 2-4 Units (Owner Occ) (1.000) Loan Amt >125k and <=200k (0.125) VA 30 Year Fixed V30 FHA Streamline Investor (0.500) Loan Amt >200k and <=300k VA 30 Year Fixed High Balance V30HB VA Loan (V30) (0.250) Loan Amt >300k VA 30 Year Fixed IRRRL V30IRR VA IRRRL (V30IRR, V30IRRHB) VA 30 Year High Balance V30IRRHB FHA Streamline (F30S, F30SHB) (0.250) USDA 30 Year Fixed U30 USDA (0.500) USDA 30 Year Fixed Streamline U30S 9 of 9

LoanStream Select Program

LoanStream Select Program 19000 MacArthur Boulevard, 2nd Floor Ratesheet Co RS-WS Effective Date: 4/2/2019 #1 Wholesale Rate Sheet Table of Contents Contact list Tab Product LSM Select: All FNMA/FHLCM Corporate Headquarters: Phone: