STANDING OUT IN A VANILLA WORLD Kim Yarnelli GTE Financial GTE - PowerPoint PPT Presentation

Mar 08, 2023 •30 likes •130 views

STANDING OUT IN A VANILLA WORLD Kim Yarnelli GTE Financial GTE Financial & Home Loan Alliance, LLC: At a Glance Assets $1.8 Billion Loans $1.5 Billion Shares $1.6 Billion Members 245,943 Loans/Shares 91.66%

STANDING OUT IN A VANILLA WORLD Kim Yarnelli GTE Financial
GTE Financial & Home Loan Alliance, LLC: At a Glance • Assets $1.8 Billion • Loans $1.5 Billion • Shares $1.6 Billion • Members 245,943 • Loans/Shares 91.66% • Off Balance Sheet Balance $1.4 Billion • HLA CUSO Established 2012 2
Connecting Strategic Priorities to Products • Determining the “White Space” in the Marketplace • Niche products: Mini-Jumbo and Jumbo Loans • Acceptable to the Marketplace and our Membership • The 5/5 ARM product was the product of choice 3
Originated 5/5 ARM, Mini Jumbos, Jumbos, & Conventional Products $50,000,000.00 $45,000,000.00 $46,628,062 $40,000,000.00 $35,000,000.00 $32,766,100 $30,000,000.00 $25,000,000.00 $26,922,127 $24,093,210 $20,000,000.00 $15,000,000.00 $10,000,000.00 $5,000,000.00 $2,284.14 $0.00 2011 2012 2013 2014 2015 5/5 ARM, Mini Jumbos, Jumbos, & Conventional Products $ million 4
SOLD - 5/5 ARM Product $140,000,000 $117,001,013 $120,000,000 $100,000,000 $80,000,000 $60,000,000 $38,018,691 $40,000,000 $20,000,000 $0 2014 2015 * Started selling in 2014 $ Million SOLD - 5/5 ARM Product 5
Product Features • Index One Year LIBOR • Margin 2.00% • Initial Adjustment 2.00% after the first 5 years 2.00% every 5 th year thereafter • Subsequent Adjustments • Life Cap Adjustment 5.00% over life of the loan 6
Special Product Features: Separating Us from Them • 90% - 97% LTV • Lender paid MI • Borrower paid Mortgage Insurance either monthly or single payment • Choices between 4 MI Companies: Radian, Arch, MGIC & United Guaranty • “Harmony Rate Reset” Feature 7
Our CUSO Promotes Our Brand • Home Loan Alliance provides TPO originations through our wholesale broker network with over 100 licensed lenders in Florida • HLA Title residential title agency provides mortgage closing for our members, brokers and other credit unions • Insurance products provided by our Wholly Owned Insurance Service CUSO 8
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