NMP - April 2017 - 37

CitadelServicing.com

ClassAppraisal.com

How the company started: Citadel Servicing Corporation (CSC) is
the nation's premier non-prime/non-QM wholesale and
correspondent lender. Established in 2004, CSC has been rebuilding
the sector of owner and non-owner-occupied lending to borrowers
with impaired credit, down to 500 FICO's. CSC caters to borrowers
with recent short sales, foreclosures, bankruptcies and mortgage
delinquencies. With up to 90 percent LTV, CSC is providing liquidity
to qualifying borrowers for purchase and refinancing of one- to fourunit residential properties.
How the company has changed the mortgage industry: Citadel
Servicing Corp (CSC) was the first company to re-enter the segment
known as sub-prime. Adhering to the regulations of Dodd-Frank and
in the spirit of Ability-To-Repay (ATR), CSC is providing residential
lending products to borrowers who've had recent life events like
foreclosures, bankruptcies, short sales and mortgage lates. CSC
continues to increase its footprint with loan amounts up to $3 million
and innovative products like ATR in full, foreign national lending and
a reimagined Alt-A program called Maggi, which allows savvy
borrowers more flexibility with options for interest only payments
and a 12-month bank statement
income qualification.
CSC will continue to lead the
charge in the non-prime segment
to help shape a stable
responsible mortgage product
for those who don't fit the
narrow mold of traditional
lending products.

How the company started: Class Appraisal (founded in 2009) is a
nationwide Appraisal Management Company that specializes in
residential appraisals. We take great pride in our world class
customer service. We utilize the best Appraisers who prioritize our
orders and help us deliver the best available turn times. As one of
the fastest growing and respected AMCs in the United States, we
work with some of the nation's leading Lenders and Appraisers to
provide exemplary regulatory compliance and operational services.
To further ensure this, Class Appraisal has both a Chief Appraiser
and a Chief Compliance Attorney on staff who are two of the best at
what they do. This allows us to not only provide the best
professional services, but also remain completely up-to-date on all
compliance and regulatory issues.
How the company has changed the mortgage industry: Class
Appraisal continues to be at the forefront of technology in the
appraisal management industry. Having won numerous awards for
our innovation, our projects continue to focus on areas that will help
streamline the process to be more effective and efficient. These
projects include data/metric tracking through Web-based interactive
dashboards, turn time and
pricing calculators, and our latest
innovation, Fast Track. Fast
Track is a comprehensive tool
that allows you to check on the
status of your appraisal anytime,
anywhere on a computer, tablet
or mobile device.

37

How the company started: Paramount Residential Mortgage Group
Inc. (PRMG) was founded in the high desert by Paul Rozo, CEO and
Robert Holliday, COO more than 15 years ago. Merely starting with a
handful of employees, PRMG has quickly grown to over 1,300
employees nationwide. Built by originators for originators is what
PRMG has been and continues to be the foundation the organization
has been built on.
How the company has changed the mortgage industry:
Paramount Residential Mortgage Group Inc. (PRMG) has been a
leader in mortgage banking for well over a decade. As one of the
largest privately held national mortgage bankers and residential
home lenders, PRMG has successfully helped homeowners
purchase and refinance their homes across the country. PRMG has
consistently been recognized within the top 25 largest independently
owned mortgage lenders in the nation.
PRMG is a technology-based mortgage company that lends
nationwide, but still provides personal service to our clients. To help
facilitate the first-rate service, PRMG offers in-house processing,
underwriting, documents and funding; with an experienced and
helpful support staff.
Today, PRMG is licensed in 47
states and by the U.S.
Department of Housing & Urban
Development (HUD) with
branches and operation centers
strategically located across the
country, supported by over 1,300
employees and growing each
day.

How the company started: Founded in 1986, United Wholesale
Mortgage (UWM) is a family-owned and operated company based in
Troy, Mich. and operating nationwide. As the nation's number one
wholesale lender, UWM has an impressive history of growth,
innovation and excellent client service. In its early stages, UWM
started out as a bricks and mortar retail loan shop and then made
the strategic decision to focus on the wholesale side of the business.
How the company has changed the mortgage industry: UWM has
revolutionized wholesale lending, transforming a historically
commodity-driven industry into a client-service model that is focused
on championing the success of its independent broker clients. From
creating an inside sales model to developing game-changing
technology, UWM prides itself on helping its clients grow their
business. Team members are trained across the life of a loan in
order to make their processes as fast as possible.
UWM's technology offerings are second to none in the industry.
Its new product launch, Blink, is a borrower mortgage portal that
allows brokers to take applications no matter where they are. Blink
enables borrowers to start their applications, pull their credit, e-sign
documents, verify assets, and
track the status of their loans-
all from a mobile device. Brokers
have the ability to share screens
in real-time to guide their clients
through the process.

n National Mortgage Professional Magazine n APRIL 2017

UWM.com

NationalMortgageProfessional.com

PRMG.net


http://www.CitadelServicing.com http://www.ClassAppraisal.com http://www.PRMG.net http://www.UWM.com

Table of Contents for the Digital Edition of NMP - April 2017

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