September 2012 Top 100 HECM Lenders (Retail) Note: Some Lenders Ranks are the same / tied for production

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Shaded Lenders Sponsors of Reverse Fortunes or HECMWorld.com Rank Lender 1 GENWORTH FINANCIAL HM EQUITY A 443 3,473 11.95% 14.18% 152.4% 2 AMERICAN ADVISORS GROUP 410 2,589 11.06% -25.05% 117.93% 3 ONE REVERSE MORTGAGE LLC 365 3,644 9.85% -12.68% 8.58% 4 URBAN FINANCIAL GROUP 282 2,764 7.61% -8.74% -0.86% 5 SECURITY ONE LENDING 264 2,308 7.12% -21.89% 123.64% 6 GENERATION MORTGAGE COMPANY 197 2,120 5.32% -22.75% -6.24% 7 REVERSE MORTGAGE USA INC 108 877 2.91% -4.42% 27.66% 8 CHERRY CREEK MORTGAGE CO INC 60 585 1.62% -10.45% 198.47% 9 ASSOCIATED MORTGAGE BANKERS I 56 315 1.51% 12.0% 505.77% 10 PROFICIO MORTGAGE VENTURES LLC 53 77 1.43% 5,200.0% 266.67% 11 GMFS LLC 52 288 1.4% -8.77% 190.91% 11 M & T BANK 52 463 1.4% -17.46% 9.72% 13 THE FIRST NATIONAL BANK LAYTON 50 1,458 1.35% -77.27% 213.55% 14 SENIOR MORTGAGE BANKERS INC 46 357 1.24% 1,050.0% -23.06% 15 NET EQUITY FINANCIAL INC 45 328 1.21% 7.14% 27.13% 16 GREENLIGHT FINANCIAL SERVICES 43 347 1.16% -14.0% 34,600.0% 16 SUN WEST MORTGAGE CO INC 43 836 1.16% 0.0% 245.45% 18 NEW DAY FINANCIAL LLC 36 524 0.97% -47.83% -1.5% 19 MAVERICK FUNDING CORP 35 278 0.94% -32.69% 19 MONEY HOUSE INC 35 325 0.94% -2.78% -9.22% 21 NATIONWIDE EQUITIES CORPORATIO 34 253 0.92% 88.89% 97.66% 22 PLAZA HOME MORTGAGE INC 28 260 0.76% 47.37% 26.21% 23 HIGH TECH LENDING INC 22 169 0.59% -24.14% 196.49% 23 REVERSE MORTGAGE SOLUTIONS INC 22 179 0.59% 100.0% 54.31%

Rank Lender 23 GREAT OAK LENDING 22 182 0.59% 450.0% -49.16% 26 ASPIRE FINANCIAL INC 21 252 0.57% -34.38% 24.75% 27 AMERICAN NATIONWIDE MORTGAGE COMPANY 20 38 0.54% 53.85% 90.0% 27 FIRSTBANK 20 182 0.54% -52.38% 29 VAN DYK MORTGAGE CORPORATION 19 94 0.51% 58.33% 176.47% 29 TOP FLITE FINANCIAL INC 19 107 0.51% 137.5% 256.67% 29 OPEN MORTGAGE LLC 19 211 0.51% -17.39% 80.34% 29 ROYAL UNITED MORTGAGE LLC 19 284 0.51% -47.22% 18.83% 33 LEADER ONE FINANCIAL CORPORATI 17 41 0.46% 88.89% 192.86% 34 HOMESTREET BANK 16 59 0.43% 128.57% 103.45% 34 GATEWAY FUNDING DIVERSIFIED MT 16 93 0.43% 220.0% 24.0% 34 UNITED NORTHERN MORTGAGE BANKE 16 161 0.43% 23.08% 126.76% 34 TOWNEBANK 16 169 0.43% -44.83% 482.76% 38 VIG MORTGAGE CORP 15 95 0.4% 400.0% 9.2% 38 UNIVERSAL LENDING CORPORATION 15 96 0.4% 150.0% 35.21% 40 SUCCESS MORTGAGE PARTNERS INC 14 78 0.38% 100.0% 90.24% 41 PACIFIC RESIDENTIAL MORTGAGE LLC 13 46 0.35% 550.0% 1,050.0% 41 MORTGAGE SERVICES III LLC 13 67 0.35% 116.67% 63.41% 41 VANGUARD FUNDING LLC 13 93 0.35% 8.33% 173.53% 44 DAS ACQUISITION CO LLC 12 87 0.32% -14.29% 383.33% 45 HIGHLANDS RESIDENTIAL MORTGAGE 10 31 0.27% 233.33% 287.5% 45 HARVARD HOME MORTGAGE INC 10 97 0.27% -16.67% 14.12% 45 CONTOUR MORTGAGE CORPORATION 10 111 0.27% 11.11% 296.43% 48 WHOLESALE CAPITAL CORP 9 48 0.24% 125.0% 50.0% 48 NEW AMERICAN MORTGAGE LLC 9 84 0.24% 28.57% 211.11% 48 AMERICAN PACIFIC MORTGAGE 9 121 0.24% -25.0% 4.31%

Rank Lender 48 MAS ASSOCIATES LLC 9 174 0.24% -30.77% -3.33% 52 AMERICA FIRST FEDERAL CREDIT UNION 8 14 0.22% 33.33% -46.15% 52 SOUTHPOINT FINANCIAL SERVICES 8 29 0.22% 166.67% 81.25% 52 REAL ESTATE MORTGAGE NETWORK INC 8 32 0.22% 166.67% 113.33% 52 JAMES B NUTTER AND COMPANY 8 82 0.22% 700.0% 49.09% 52 SOUTHERN TRUST MORTGAGE LLC 8 86 0.22% -42.86% 160.61% 52 MORTGAGESHOP LLC 8 95 0.22% -38.46% 50.79% 52 CONTINENTAL HOME LOANS INC 8 102 0.22% 14.29% 264.29% 59 PINNACLE CAPITAL MORTGAGE CORP 7 42 0.19% 133.33% -16.0% 59 FRANKLIN FIRST FINANCIAL LTD 7 54 0.19% -36.36% 20.0% 59 DOLLAR BANK FSB 7 59 0.19% 0.0% 227.78% 62 HOMEOWNERS MORTGAGE ENTERPRISE 6 9 0.16% 100.0% 62 AMERICAN FINANCIAL NETWORK INC 6 25 0.16% -40.0% 150.0% 62 UNIVERSAL AMERICAN MORTGAGE CO 6 26 0.16% 200.0% 62 HOMESTEAD FUNDING CORP 6 31 0.16% 20.0% 158.33% 62 INTEGRATED FINANCIAL GROUP INC 6 32 0.16% -40.0% 146.15% 62 MAIN STREET HOME LOANS LLC 6 48 0.16% -25.0% 2,300.0% 62 PEOPLES BANK 6 54 0.16% 0.0% 980.0% 62 GERSHMAN INVESTMENT CORP 6 57 0.16% 20.0% 32.56% 62 WEST TOWN SAVINGS BANK 6 81 0.16% 50.0% -7.95% 62 VALUE FINANCIAL MORTGAGE SERVI 6 84 0.16% 20.0% 33.33% 62 STERLING SAVINGS BANK 6 97 0.16% 100.0% 46.97% 73 FIRST PRIORITY FINANCIAL INC 5 33 0.13% 25.0% 32.0% 73 DIRECTORS FINANCIAL GROUP 5 33 0.13% 150.0% 312.5% 73 FAIRWAY INDEPENDENT MORTGAGE C 5 35 0.13% 150.0% 40.0% 73 FIRST CENTURY BANK NA 5 59 0.13% 0.0% 210.53% 73 OCEANFIRST BANK 5 68 0.13% 0.0% 13.33% 73 ADVISORS MORTGAGE GROUP LLC 5 73 0.13% -44.44% 143.33% 73 ENVOY MORTGAGE LTD 5 74 0.13% 0.0% -27.45% 73 MCM HOLDINGS INC 5 139 0.13% 66.67% 183.67% 81 ULSTER SAVINGS BANK 4 4 0.11% -84.62%

Rank Lender 81 MARKETPLACE HOME MORTGAGE 4 5 0.11% 300.0% 81 COOPERATIVA DE AHORRO Y CREDIT 4 7 0.11% 300.0% 81 CENTRAL PACIFIC BANK 4 9 0.11% 33.33% 81 THE AMERICAN EAGLE MORTGAGE CO 4 10 0.11% 11.11% 81 MERRIMACK MORTGAGE COMPANY INC 4 13 0.11% 100.0% 30.0% 81 MANN MORTGAGE LLC 4 24 0.11% 33.33% 242.86% 81 HILLTOP NATIONAL BANK 4 25 0.11% 300.0% 108.33% 81 CITYWIDE HOME LOANS 4 27 0.11% 300.0% 285.71% 81 INTERSTATE HOME LOAN CENTER IN 4 28 0.11% 0.0% 81 INFINITY HOME MORTGAGE CO INC 4 30 0.11% 100.0% 328.57% 81 CIRCLE MORTGAGE CORPORATION 4 31 0.11% 33.33% 40.91% 81 EQUITY LOANS LLC 4 38 0.11% 0.0% 40.74% 81 EASTERN BANK 4 40 0.11% 300.0% 29.03% 81 COLONIAL SAVINGS FA 4 46 0.11% -20.0% 2.22% 81 METRO ISLAND MORTGAGE INC 4 63 0.11% 300.0% -20.25% 81 FULTON BANK NATIONAL ASSOCIATI 4 84 0.11% -42.86% 12.0% 81 NETWORK FUNDING LP 4 106 0.11% -20.0% 0.95% 81 AXIA FINANCIAL LLC 4 110 0.11% -85.71% 107.55% 100 PIKE CREEK MORTGAGE SVCS INC 3 4 0.08% 200.0% 100 AFFILIATED BANK 3 5 0.08% -64.29% 100 EXCEL MORTGAGE SERVICING INC 3 5 0.08% 200.0% 100 BARRINGTON BANK AND TRUST CO N 3 7 0.08% 50.0% 100 MOUNTAIN AMERICA CREDIT UNION 3 8 0.08% 50.0% -42.86% 100 MULTIPLES MORTGAGE CORPORATION 3 12 0.08% 50.0% 100 FIRST CHOICE LOAN SERVICES 3 14 0.08% -70.0% 100 GREENTREE MORTGAGE COMPANY LP 3 14 0.08% 0.0% 100 MORIA DEVELOPMENT INC 3 18 0.08% 50.0% 500.0% 100 ALCOVA MORTGAGE LLC 3 21 0.08% 90.91% 100 GULF COAST BANK AND TRUST COMP 3 27 0.08% 0.0% -27.03% 100 STEARNS LENDING INC 3 29 0.08% -25.0% 45.0% 100 GUARANTEED RATE INC 3 32 0.08% 0.0% 190.91% 100 HAMILTON GROUP FUNDING INC 3 35 0.08% 200.0% 400.0%

Rank Lender 100 AMERICAN NEIGHBORHOOD MTG ACCE 3 37 0.08% -40.0% 825.0% 100 GUILD MORTGAGE COMPANY 3 40 0.08% -25.0% -16.67% 100 CLIFFCO INC 3 42 0.08% -50.0% 320.0% 100 BANK OF ENGLAND 3 44 0.08% -62.5% 266.67% 100 WELLS FARGO BANK NA 3 45 0.08% 200.0% -99.68% 100 PRIMARY RESIDENTIAL MORTGAGE INC 3 63 0.08% -50.0% -12.5% 100 LIVE WELL FINANCIAL INC 3 64 0.08% -75.0% -52.59% 100 SUN AMERICAN MORTGAGE CO 3 97 0.08% -57.14% -8.49% 100 CHRISTENSEN FINANCIAL INC 3 99 0.08% -57.14% 16.47% 100 ATLANTIC BAY MORTGAGE GROUP LL 3 149 0.08% -62.5% 181.13% 100 METLIFE BANK 3 6,788 0.08% -70.0% -3.1% Subtotal Top 100 3516 37970 94.87% -9.45% -8.65% Subtotal Non Top 100 190 2929 5.13% -20.5% -77.79% Total 3706 40899-10.09% -25.3% 9/1/2008 9494 9/1/2009 9473 9/1/2010 5966 9/1/2011 5590 9/1/2012 3706