NMLS MORTGAGE CALL REPORT EXPANDED SECTION

Transcription

1 NMLS MORTGAGE CALL REPORT EXPANDED SECTION If your company IS a Fannie Mae or Freddie Mac Approved Seller/Servicer or Ginnie Mae Issuer, you must complete the Expanded Section of the NMLS Mortgage Call Report Your company must complete pages 2-8 of this document (RMLA Section I, II and III) on a calendar QUARTERLY basis for each state where your company holds a license or registration. It is due 45 days from the end of the quarter. Your company must complete pages 9-18 of this document (Expanded Financial Condition Report) on calendar QUARTERLY basis. This section must reflect the financial condition of the company and is not reported by state. It is due 45 days from the end of the quarter. Page 1

2 NMLS MORTGAGE CALL REPORT Remaining LINES OF CREDIT AT PERIOD END Credit Available Credit Limit at Period End LOC1 Name of Provider (set to max name field in NMLS) $ $ LOC2 Name of Provider (set to max name field in NMLS) $ $ LOC3 Name of Provider (set to max name field in NMLS) $ $ Company-level RMLA LINES OF CREDIT NOTE EXPLANATORY NOTES-FREE TEXT (set to an appropriate maximum. Consider at least 2000 characters) EXPLANATORY NOTES Page 2

3 NMLS MORTGAGE CALL REPORT APPLICATION DATA DIRECTLY RECEIVED FROM BORROWER RECEIVED FROM 3RD PARTY Type of Action Taken Amount Count Average Size Amount Count Average Size AC010 Applications In Process at the Beginning of the Period AC020 Applications Received AC030 Applications Approved but not Accepted AC040 Applications Denied AC050 Applications Withdrawn AC060 File Closed for Incompleteness AC062 Pre-Approval Requests Denied AC064 Pre-Approval Requests Approved but not Accepted AC070 Loans Closed and Funded AC080 Applications in Process at the End of the Period CLOSED LOAN DATA State-specific RMLA RMLA SECTION I Forward Mortgages BROKERED CLOSED- RETAIL APPLICATION CLOSED-WHOLESALE APPLICATION Loan Type Amount Count Average Size Amount Count Average Size Amount Count Average Size AC100 Conventional AC110 FHA-Insured AC120 VA-guaranteed AC130 FSA/RHS-guaranteed AC190 Total Loan Type - Forward Mortgages of rows AC100 to AC130 in the above of rows AC100 to AC130 in the above of rows AC100 to AC130 in the above of rows AC100 to AC130 in the above rows AC100 to AC130 rows AC100 to AC130 Property Type AC200 One to Four Family Dwelling AC210 Manufactured housing AC220 Multifamily Dwelling AC290 Total Property Type of rows AC200 to AC220 in the above of rows AC200 to AC220 in the above of rows AC200 to AC220 in the above of rows AC200 to AC220 in the above rows AC200 to AC220 rows AC200 to AC220 Purpose of Loan or Application AC300 Home Purchase AC310 Home Improvement AC320 Refinancing AC390 Total Purpose of Loan or Application of rows AC300 to AC320 in the above of rows AC300 to AC320 in the above of rows AC300 to AC320 in the above of rows AC300 to AC320 in the above rows AC300 to AC320 rows AC300 to AC320 AC400 HOEPA Lien Status AC500 First Lien AC510 Subordinate Lien AC520 Not Secured by a Lien AC590 Total Lien Status of rows AC500 to AC520 in the above of rows AC500 to AC520 in the above of rows AC500 to AC520 in the above of rows AC500 to AC520 in the above rows AC500 to AC520 rows AC500 to AC520 AC600 AC610 Fee Information Broker Fees Collected-Forward Mortgages Lender Fees Collected-Forward Mortgages Amount Amount Amount Page 3

4 NMLS MORTGAGE CALL REPORT RMLA SECTION I (cont) Reverse Mortgages (should not be counted in above numbers) Loan Type Amount Count Average Size Amount Count Average Size Amount Count Average Size AC700 HECM-Standard AC710 HECM-Saver AC720 Proprietary/Other AC790 Total Loan Type - Reverse Mortgages of rows AC700 to AC720 in the above of rows AC700 to AC720 in the above of rows AC700 to AC720 in the above of rows AC700 to AC720 in the above rows AC700 to AC720 rows AC700 to AC720 Purpose of Reverse Mortgage AC800 Home Purchase AC810 Other AC890 Total Purpose of Reverse Mortgage of rows AC800 to AC810 in the above of rows AC800 to AC810 in the above of rows AC800 to AC810 in the above of rows AC800 to AC810 in the above rows AC800 to AC810 rows AC800 to AC810 Fee Information BROKERED CLOSED- RETAIL APPLICATION CLOSED-WHOLESALE APPLICATION AC620 Broker Fees Collected-Reverse Mortgages $ AC630 Lender Fees Collected-Reverse Mortgages $ $ Forward and Reverse Mortgage Loans BROKERED CLOSED- RETAIL APPLICATION CLOSED-WHOLESALE APPLICATION AC900 Total Loans Brokered by your Company # AC910 Total Loans Funded by your Company # # Repurchase Information Amount Count Average Size AC1000 Loans Made and Assigned but Required to Repurchase in Period AC1100 REVENUE DATA Gross Revenue from Operations MORTGAGE LOAN ORIGINATOR DATA ACMLO1 Employee Name (set to max of combined first, middle, last name) ACMLO2 Employee Name (set to max of combined first, middle, last name) ACMLO3 Employee Name (set to max of combined first, middle, last name) Amount Amount Count Average Size MLO NMLS ID Page 4

5 NMLS MORTGAGE CALL REPORT Residential First Mortgages (1-4 Unit Residential ONLY) I010 Government (FHA/VA/RHS) Fixed I020 Government (FHA/VA/RHS) Arm I030 Prime Conforming Fixed I040 Prime Conforming Arm I050 Prime Non-Conforming (Jumbo) Fixed I060 Prime Non-Conforming (Jumbo) ARM I070 Other Fixed I080 Other ARM I100 Total Residential First Mortgages rows I010 to I080 rows I010 to I080 Other Mortgages I110 Closed-End Second Mortgages I120 Funded HELOCs I130 Reverse Mortgages I140 Construction and Land Development Loans, 1-4 Unit Residential I150 Multifamily Loans Agency I160 Commercial Mortgage Loans I170 Other Mortgage Loans I180 Total Other Loans rows I110 to I170 RMLA SECTION II rows I110 to I170 I200 Total Mortgage Loans Originated I100 and I180 in I100 and I180 in the above the above UPB Loan Count Average Loan Size I210 Retail I220 Wholesale Correspondent I230 Wholesale Broker I240 Total First Residential Volume rows I210 to I230 rows I210 to I230 I250 Fixed Rate I251 ARM I259 Total First Residential Volume rows I250 to I251 rows I250 to I251 I260 Jumbo I261 Non-Jumbo I269 Total First Mortgage Volume rows I260 to I261 rows I260 to I261 I270 Alt Doc I271 Full Doc I279 Total First Mortgage Volume (must equal Total in I100 above) rows I270 to I271 rows I270 to I271 I280 Interest Only I281 Not Interest Only I289 Total First Mortgage Volume rows I280 to I281 rows I280 to I281 I290 Option ARMs I291 Not Option ARMs I299 Total First Mortgage Volume rows I290 to I291 rows I290 to I291 Page 5

6 NMLS MORTGAGE CALL REPORT RMLA SECTION II (cont) UPB Loan Count Average Loan Size I300 Loans with Prepayment Penalties I301 Loans without Prepayment Penalties I309 Total First Mortgage Volume rows I300 to I301 rows I300 to I301 I310 Purchase I311 Refinance Rate-Term I312 Refinance Cash-Out Refinances I313 Refinance Restructure I314 Refinance Other/Unknown I319 Total First Mortgage Volume rows I310 to I314 rows I310 to I314 I320 I321 I329 Owner-Occupied Non-Owner Occupied Total First Mortgage Volume rows I320 to I321 rows I320 to I321 I330 I331 I339 Loans with Private Mortgage Insurance Loans without Private Mortgage Insurance Total First Mortgage Volume rows I330 to I331 rows I330 to I331 I340 I341 I349 Loans with Piggyback Seconds or Funded HELOCs Loans without Piggyback Seconds or Funded HELOCs Total First Mortgage Volume rows I340 to I341 rows I340 to I341 First Mortgage Borrower's FICO Score Distribution I350 Equals 600 or less I351 Greater than 600 but less than or equal to 650 I352 Greater than 650 but less than or equal to 700 I353 Greater than 700 but less than or equal to 750 I354 Greater than 750 I359 Total First Mortgage Volume rows I350 to I354 rows I350 to I354 I360 Average FICO Score for First Mortgage Borrowers I365 Average FICO Score for Second and HELOC Mortgage Borrowers Average FICO Score Page 6

7 NMLS MORTGAGE CALL REPORT First Mortgage Loan-to-Value (LTV) Distribution I370 Equals 60% or less I371 Greater than 60% but less than or equal to 70% I372 Greater than 70% but less than or equal to 80% I373 Greater than 80% but less than or equal to 90% I374 Greater than 90% but less than or equal to 100% I375 Greater than 100% I379 Total First Mortgage Volume rows I370 to I375 RMLA SECTION II (cont) rows I370 to I375 I380 I385 I390 Weighted Average LTV on First Mortgages Only (enter two-decimal figure, e.g., for % weighted LTV) Weighted Average CLTV Combined First and Second Mortgages (enter two-decimal figure, e.g., for % weighted CLTV) Weighted Average Coupon at Origination on First Mortgages Only (enter two-decimal figure, e.g., 6.78 for 6.775%) Weighted Average First Mortgage Residential Loans Sold by Investor Type I400 Production Sold to Secondary Market Agencies (Fannie, Freddie, Ginnie) I401 Production Sold to Others (Non-Affiliate) I402 Production Sold to Others (Affiliate) I403 Production Kept in Portfolio/Held for Investment I404 Production Sold through Non-Agency Securitizations with Sale Treatment I405 Production Sold through Non-Agency Securitizations without Sale Treatment I409 Total 1-4 Unit Residential Loans Sold this Period rows I400 to I405 rows I400 to I405 UPB Loan Count Average Loan Size I410 Production Sold Servicing Released I420 Production Brokered Out I430 Fall-Out Ratio (enter two-decimal figure, e.g., for %) Ratio I440 Total Multifamily/Commercial Loans Sold This Period UPB Loan Count I450 I455 I456 Warehouse Period Average Days in Warehouse1-4 Unit Residential Mortgages Only Average Days in Warehouse Multifamily Loans Average Days in Warehouse Commercial Mortgage Loans Average Days UPB Loan Count Average Loan Size I460 Production Warehoused in Excess of 90 Days as of Period End1-4 Unit Residential Mortgages Only Page 7

8 NMLS MORTGAGE CALL REPORT Modifications S100 Loan Modification Applications in process at beginning of period S110 Loan Modifications completed S120 Loan Modification applications terminated by borrower S130 Loan Modification applications denied by lender/servicer S140 Loan Modification applications terminated by other S150 Loan Modification applications received during period S160 Loan Modification applications in process at end of period Contracted for by Lienholder/Servicer S200 Loans to be modified at beginning of period S210 Loan Modifications completed S220 Loan modification attempts terminated for whatever reason S230 New loans received for modification S240 Loans to be modified at the end of period. DELINQUENCY STATUS AS OF END DATE (All Loans) S300 Less than 30 Days Delinquent S to 60 Days Delinquent S to 90 Days Delinquent S315 More Than 90 Days Delinquent DELINQUENCY STATUS AS OF END DATE (Loans Modified within one (1) year) S320 Less than 30 Days Delinquent S to 60 Days Delinquent S to 90 Days Delinquent S335 More Than 90 Days Delinquent DELINQUENCY STATUS AS OF END DATE (Loans Modified over one (1) year ago) S340 Less than 30 Days Delinquent S to 60 Days Delinquent S to 90 Days Delinquent S355 More Than 90 Days Delinquent FORECLOSURE STATUS AS OF END DATE S400 In foreclosure status as of last period end date S410 Moved into foreclosure status in Period S420 Foreclosure resolved other than Sheriff sale in Period S430 Foreclosure resulting in Sheriff sale in Period S440 In foreclosure status as of End Date S450 REOs as of End Date ACNOTE EXPLANATORY NOTES-FREE TEXT (set to an appropriate maximum. Consider at least 2000 characters) RMLA SECTION III EXPLANATORY NOTES Page 8

9 Schedule A: Assets Schedule A A010 A034 A036 A040 A050 A190 A060 A062 A237 A020 A030 A032 A064 A066 A070 A080 A090 A100 A110 A160 A170 A180 A200 A210 A220 A230 A239 A240 A250 A260 A262 A264 A266 Short-Term Assets $ Cash and Cash Equivalents, Unrestricted Securities Available for Sale Trading Account Securities Reverse Repurchase Agreements Receivables from Unrelated Parties Receivables from Related Parties Mortgage Loans Held for Sale (HFS), at Lower of Cost or Market (LOCOM) Mortgage Loans Held for Sale (HFS), at Fair Value Total Short-Term Assets Long-Term Assets $ Cash and Cash Equivalents, Restricted Securities Held to Maturity, at Amortized Cost Securities Held to Maturity, at Fair Value Mortgage Loans Held for Investment (HFI), at Amortized Cost Mortgage Loans Held for Investment (HFI), at Fair Value Other Financial Instrument Assets, at Fair Value Non-Mortgage Investments Real Estate Owned, at Net Realizable Value Investment in Joint Ventures, Partnerships, and Other Entities Other Real Estate Investments Net Mortgage Servicing Rights Reserve for Other Losses Contra Property, Equipment, Leasehold, Net of Accumulated Depreciation Deferred Tax Assets Goodwill and Other Intangible Assets Derivative Assets Other Assets Total Long-Term Assets Total Assets MEMO: Escrow Funds (Held in Trust for Investors or Mortgagors) MEMO: Capitalized Hardware and Other Telecommunications Property and Equipment MEMO: Capitalized Software MEMO: Watercraft MEMO: Aircraft Schedule A-030: Securities A030A A030B A030C A030D A030E A030F A030G Investment-Grade Securities Agency MBS Non-Agency MBS Commercial MBS Investment Grade Non-Mortgage ABS Investment Grade Obligations of Government Sponsored Enterprise U.S. Treasury Obligations Other Securities Investment Grade Held to Maturity At Amortized Cost Held to Maturity At Fair Value Available for Sale Trading Account Page 9

10 A030H Total Investment-Grade Securities A030L A030M A030N A030O A030P A030Q A030R A030S A030U A030V A030W A030T A060A A060B A060C A060D A060E A060F A060G A060H A060I Non-Investment Grade Securities Non-Agency MBS Non-Investment Grade Principal Only Securities Non-Investment Grade Interest Only Strips Non-Investment Grade Commercial MBS Non-Investment Grade Debt Securities Non-Investment Grade Other Securities Non-Investment Grade Total Non-Investment Grade Securities Non-Rated Retained Interests Other Securities Total Securities Unamortized Deferred Fees and Costs, if Not Included Above Net Securities Schedule A-060: Mortgage Loans Held for Sale and Held for Investment, UPB Held to Maturity At Amortized Cost Residential First Mortgages (1-4 Unit) HFS, at LOCOM Government (FHA/VA/RHS) Fixed Government (FHA/VA/RHS) ARM Prime Conforming Fixed Prime Conforming ARM Prime Non-Conforming (Jumbo) Fixed Prime Non-Conforming (Jumbo) ARM Other Fixed Other ARM Total Residential First Mortgage Loans Held to Maturity At Fair Value HFS, at Fair Value Available for Sale HFI, at Amortized Cost Trading Account HFI, at Fair Value A060L A060M A060N A060O A060P A060Q A060R A060V A060W Other Mortgages HFS, at LOCOM Closed-End Second Mortgages Funded HELOCs Reverse Mortgages Construction and Land Development Loans Multifamily Loans Agency Commercial Mortgage Loans Other Mortgage Loans Total Other Loans Total Mortgage Loans, UPB (before adjustments) HFS, at Fair Value HFI, at Amortized Cost HFI, at Fair Value Adjustments HFS, at LOCOM HFS, at Fair Value HFI, at Amortized Cost HFI, at Fair Value A060X A060Y A060Z A060AA A060AB Fair Value Adjustments for Loans Held For Sale (for FAS 159) (Discount)/Premium on Loans Contra Other Deferred Fees on Loans Contra Deferred Costs on Loans Contra Basis Adjustments from Hedging Page 10

11 A060AC A060AD A060AE A060AF A060AG A060T A060AH A060AHNOTE A060AI A060AINOTE A090A A090B A090T A120A A120B A120C A120D A120E A120F A120G A120H A120T A130A A130B A130T A140T A130E Other Basis Adjustments Accum. Amort. of Discounts/Premiums Deferred Fees & Cost, and Basis Adjustments LOCOM Valuation Allowance Contra Reserve For Credit Losses On Loans Held For Investment at Amortized Cost Total Adjustments Total Mortgage Loan, UPB (after adjustments) MEMO: UPB of Loans Included in Total Mortgage Loans (before Adjustments) that are Accounted for as Financings. A060AH Explanatory Note - Free Text MEMO: UPB of Loans Included in Total Mortgage Loans (before Adjustments) that are on Non- Accrual Status /Non Interest Earning A060AI Explanatory Note - Free Text Schedule A-090: Real Estate Owned Real Estate Owned, at Cost Valuation Allowance Contra Real Estate Owned at Net Realizable Value Schedule A-120R: Rollforward of Mortgage Servicing Rights (MSRs) Rollforward of Amortized MSRs (excluding Valuation Allowance) $ Balance at Beginning of Period Additions: from Transfers of Financial Assets Additions: From Purchases and Other Assumptions Disposals: Sales and Other Amortization (must be negative) Other Than Temporary Impairment (OTTI) Basis Adjustments from Net Hedging Activity Other Changes Balance at End of Period Rollforward of MSR Valuation Allowance Balance at Beginning of Period Change in Valuation Allowance Balance at End of Period Total Amortized MSRs, Net of Valuation Allowance, at End of Period MEMO: Fair Value of Amortized MSRs at End Of Period $ Rollforward of Fair Value MSRs A150A Balance at Beginning of Period A150B Remeasurement of MSRs to Fair Value upon Adoption of FAS 156 A150C Additions: from Transfers of Financial Assets A150D Additions: from Purchases and Other Assumptions A150E Reductions: from MSRs Sold A150F Change in Value Due to Realization of Cash Flows A150G Change in Value Due to Market And Model Changes A150H Other Changes A150T Balance at End of Period A160T Total MSRs at End of Period Derivative Assets: Schedule A-220 (Derivative Liabilities: Schedule B-180) Derivative Assets Derivative Liabilities Page 11

12 A220A A220B A220C A220D A220E A220F A220T A220G A220H A230A A230B A230C A230D A230E A230F A230G A230GNOTE A230H A230HNOTE A230T A230I Interest Rate Lock Commitments (IRLCs) Other Loan Commitments Classified as Derivatives Derivatives Designated as Hedges of Funded Loans Derivatives Designated as Hedges of MSRs Derivatives Designated As Hedges Other Derivatives Not Designated as Hedges Total Derivatives (NMLS calculated & view only) MEMO: UPB of IRLCs before Fallout Adjustments MEMO: UPB of IRLCs after Fallout Adjustments Schedule A-230: Other Assets Securities Borrowed Accrued Interest Receivable Accounts Receivable P&I, T&I, and Foreclosure Advances Advances Other Foreclosure Claims Receivable Current Income Taxes Receivable A230G Explanatory Note - Free Text Other Assets Other A230H Explanatory Note - Free Text Total Other Assets Other Assets Other as Percentage of Total Assets $ % A230J Explanation of Amounts in 'Other Assets Other' Schedule B: Liabilities and Equity Schedule B B010 B070 B080 B090 B100 B120 B217 Short-Term Liabilities $ Outstanding Balance on Debt Facilities Commercial Paper Other Short-Term Payables to Related Parties Other Short-Term Notes Payable to Unrelated Parties Accrued Expenses Other Short-term Liabilities Total Short-Term Liabilities Long-Term Liabilities $ B020 Collateralized Mortgage Debt Relating to Financings B030 Collateralized Mortgage Debt Other B040 Trust Preferred Securities B050 Deposits B060 Advances from Federal Home Loan Banks B110 Estimated Future Loss Liability (Recourse) B130 Other Long-Term Liabilities to Related Parties B140 Other Long-Term Liabilities to Unrelated Parties B150 Servicing Liabilities B160 Guaranty Liabilities under FIN 45 B170 Other Financial Instrument Liabilities, at Fair Value B180 Derivative Liabilities B190 Taxes Payable Page 12

13 B200 B210 B219 B220 Deferred Tax Liability Repurchase Reserves Total Long-Term Liabilities Total Liabilities B250 B260 B270 B280 B290 B300 B310 B230 B240 B320 B330 B340 B350 B360 Owners' Equity For Corporations: $ Preferred Stock, Issued and Outstanding Common Stock, Issued and Outstanding Additional Paid-In Capital Retained Earnings Treasury Stock Other Comprehensive Income (OCI) Noncontrolling Interest Minority Interest Subordinated Debt For Partnerships and Sole Proprietorships: General Partners' Capital For Partnerships: Limited Partners' Capital Members' Capital For All Companies: Total Equity Total Liabilities and Equity B350A Balance at Beginning of Period B350B Net Income / (Loss) B350C Issuance of New Stock or Conversions of Preferred to Common B350D Stock Repurchases B350E Other Capital Contributions B350F OCI: Unrealized Gains/(Losses) from Assets Available-for-Sale B350G OCI: Unrealized Gains/(Losses) from Derivatives Designated as Cash Flow Hedges B350H OCI: Other Changes in OCI B350I Cumulative Effect from Adoption of FAS 156 B350J Cumulative Effect from Adoption of FAS 159 B350K Cumulative Effect Adjustments to Retained Earnings Other B350L Dividends/Distributions B350M Changes in the carrying amount of Noncontrolling Interest B350N Equity Adjustments B350NNOTE B350N Explanatory Note - Free Text B350T Balance at End of Period C010 Schedule B-350R: Equity Rollforward Schedule C: Income NET INTEREST INCOME Interest Income Schedule C $ Total 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing Multifamily / Commercial Residential Portfolio Management and All Other Warehousing Interest Income from Loans Held For Sale Residential and Multifamily/Commercial Page 13

14 C020 C030 C040 C050 C060 C070 C080 C090 Interest Income on Loans Held for Investment Interest Income from Securities Held to Maturity Interest Income from Securities Available for Sale Interest Income from Trading Securities Other Interest Income Recognition of Yield Adjustment Servicing-Related/Escrow Interest Income Total Interest Income Interest Expense C100 C110 C120 C130 C140 C150 C160 C170 C200 C210 C220 C230 C240 C250 C260 Warehousing Interest Expense Residential and Multifamily/Commercial Income Property Interest Expense Interest Expense on MBS Pools/Prepayment Interest Shortfall Interest Expense on Residential MSR Asset Interest Expense Debt Issuance Other Interest Expense Total Interest Expense Net Interest Income NON-INTEREST INCOME Originations-Related Non-Interest Income Total 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing Multifamily / Commercial Residential Portfolio Management and All Other (Discounts)/Premiums Recognized As Income (only if FV option elected for LHS) Origination Fees Fees Received from Correspondents and Brokers Broker Fees Received on Loans Brokered Out Other Originations-Related Income Contra: Above Amounts Reclassified as Gain on Sale or Deferred (under FAS 91) Total Origination-Related Non-Interest Income Secondary Marketing Gains/(Losses) On Sale C300 Gain/(Loss) on Loans/MBS Sold with Servicing Retained (excluding capitalized servicing) Page 14

15 C310 C320 C330 C340 C350 C360 C370 C380 C390 C400 C410 C420 C430 C440 C450 C500 C510 C520 C530 C540 C550 C560 C570 C580 C590 Capitalized Servicing On Loans/MBS Sold with Servicing Retained Gain/(Loss) on Loans/MBS Sold with Servicing Released (excluding servicing released premiums) Servicing Released Premiums on Loans/MBS Sold with Servicing Released Fees Paid to Brokers Direct Fees Reclassified as Gain on Sale in Accordance with FAS 91 Direct Expenses Reclassified as Gain on Sale in Accordance with FAS 91 Recognition of Retained Interests Pair-Off Expenses and Other Hedge Costs Provision for Repurchase (EPD, FPD, etc.) Reserve LOCOM Adjustments on Loans Held for Sale Income Relating to Interest Rate Lock Commitments (IRLCs) Gains/(Losses) on Derivatives Used to Hedge Interest Rate Locks and Loans Held for Sale Gains/(Losses) on Changes in Fair Value of Loans Held for Sale Other Secondary Marketing Gains/(Losses) Net Secondary Marketing Income Gain/(Loss) on Sale Servicing-Related Non-Interest Income Total 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing Multifamily / Commercial Residential Portfolio Management and All Other Servicing Fees, First Mortgages Servicing Fees, Second Mortgages, Reverse Mortgages, Other Subservicing Fees Earned (including intercompany subservicing fees) Subservicing Fees Intracompany Only Late Fees and Other Ancillary Income Amortization of Mortgage Servicing Rights Other Than Temporary Impairment of MSRs Changes in MSR Valuation Allowance (+/-) Change in MSR Value Due to Realization of Cash Flows (+/-) Change in MSR Value Due to Market and Model Changes (+/-) Page 15

16 C600 C610 C620 C630 C640 C650 C700 C710 C720 C730 C740 C750 C760 C770 C780 C800 CF010 CF020 CF030 CF040 D010 D020 D030 D040 Gains(Losses) on Derivatives Used to Hedge MSRs (+/-) Other Changes in MSR Value (+/-) Net Gain/(Loss) on Bulk Sales of Servicing Rights Net Gain/(Loss) from Sale of REO Other Servicing-Related Income Total Servicing-Related Non-Interest Income Other Non-Interest Income Provision for Credit Losses on Loans Held For Investment Other Than TemporaryPermanent Impairment (not MSR-Related) & Other Credit Related Losses Net Gain/(Loss) from Sale of Securities Unrealized Gains/(Losses) on Trading Securities Gains/(Losses) on Other Derivatives or Other Financial Instruments Gains/(Losses) on Changes in Fair Value of Loans Held for Investment Pre-Tax Income/(Loss) from Investments in JVs, Partnerships, and Other Entities Other Non-Interest Income Total Other Non-Interest Income Total Gross Income Schedule CF: Selected Cash Flow Data Net Cash (Used)/Provided by Operating Activities Cash Flows from Investing Activities Cash Flows from Financing Activities Total Increase/(Decrease) in Cash Schedule D: Non-Interest Expenses and Net Income PERSONNEL COMPENSATION (Non-Corporate) Origination, Secondary Marketing and Warehousing Personnel Schedule D Total $ Total 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing Multifamily / Commercial Multifamily / Commercial Residential Portfolio Management and All Other Residential Portfolio Management and All Other Loan Production Officers (Sales Employees) Loan Origination (Fulfillment/Non-Sales) Warehousing and Secondary Marketing Personnel Post-Close and Other Production Support Staff Page 16

17 D050 D060 D070 Origination-Related Management and Directors Other Origination-Related Personnel Total Origination Compensation Servicing Personnel D080 D090 D100 Servicing-Related Management and Directors Other Servicing-Related Personnel Total Servicing Compensation Other Personnel D110 D120 D130 D140 Other Personnel Contra: Direct Personnel Expenses Reclassified as Gain on Sale or Deferred in Accordance with FAS 91 Total Non-Corporate Compensation MEMO: Amount of Direct Compensation Related to Temporary / Contractor Personnel D150 D160 D170 D180 Other Personnel Expenses Employee Benefits (including Education and Training) Other Personnel Expenses Total Other Personnel Expenses Total Personnel Expenses Total 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing Multifamily / Commercial Residential Portfolio Management and All Other D200 D210 D220 D230 D240 Other Non-Interest Expenses Occupancy and Equipment (including depreciation) Technology-Related Expenses (including depreciation) Outsourcing Fees Professional Fees, Including Consulting/Advisory/Legal Subservicing Fees Paid Including Intercompany Subservicing Fees Paid Total 1-4 Unit Residential Only Origination, Warehousing, and Servicing Secondary Marketing Multifamily / Commercial Residential Portfolio Management and All Other D250 Unreimbursed Servicing Expenses for Foreclosure and REO D260 D270 D280 D290 D300 D310 D320 Changes in REO Valuation Allowance Provision For Other Losses All Other Non-Interest Expenses Contra: Direct Operating Expenses Reclassified as Gain On Sale or Deferred in Accordance with FAS 91 Total - Other Non-Interest Expenses Total Gross Non-Interest Expenses (before Corporate Allocation) Net Income/(Loss) before Corporate Allocations and Minority Interest Page 17

18 D400 D410 D420 D430 D440 D500 D510 D520 D530 D540 D550 D560 Corporate Administration/Overhead Allocations $ Corporate Management, Support, and Other Corporate Personnel Expenses Corporate Technology Charges Goodwill Impairment Other Corporate Expenses or Allocations not Included Above Total Corporate Administration/Allocation Total Gross Non-Interest Expenses (After Corporate Allocation) Income Taxes, Non-recurring Items, and Minority Interest $ Income/(Loss) before Taxes, Nonrecurring Items & Minority Interest Income Taxes Net Income/(Loss) before Nonrecurring Items & Minority Interest Nonrecurring Items Net Income/(Loss) before Minority Interest Minority Interest D600 Net Income/(Loss) after Corporate Allocations and Minority Interest Schedule O Schedule O - Reserves and Valuation Allowance Rollforwards Rollforward of Credit Loss Reserves on Loans Held for Investment $ O010 Beginning Balance O020 Provision for Credit Losses on Loans Held for Investment O030 Charge-offs, Net of Recoveries O040 Adjustments upon Adoption of FAS 159 O050 Other Changes O060 Ending Balance O110 O120 O130 O210 O220 O230 O240 O250 O310 O320 O330 O340 O350 O360 O370 FCNOTE Rollforward of Valuation Allowance on REO Beginning REO Valuation Allowance Changes in REO Valuation Allowance Ending REO Valuation Allowance Rollforward of Reserve for Other Losses Beginning Reserve for Other Losses Provision For Other Losses Charge-Offs, Net of Recoveries Other Changes Ending Reserve for Other Losses Rollforward of Repurchase Reserves Beginning Repurchase Reserve Provision for Repurchases (EPD, FPD, etc.) Charge-Offs, Net of Recoveries Other Changes Ending Repurchase Reserve MEMO: UPB of Loans Repurchased or Indemnified During the Quarter MEMO: Number of Loans Repurchased or Indemnified During the Quarter Explanatory Notes - Free Text # Explanatory Notes Page 18