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Refinancing Trends in 2023
The Top 10 States and Loan Types
by Reginald Peterson, November 27th, 2023

The year 2023 witnessed a dynamic landscape in the mortgage refinancing mar=
ket, with varying trends across the United States. While some states experi=
enced a surge in refinancing activity, others saw a decline. This article d=
elves into the top 10 states that witnessed the highest refinancing volume =
in 2023, along with an analysis of the prevalent loan types utilized.

Top 10 States with
Highest Refinancing Activity in 2023

1.
Hawaii: Hawaii topped the list with the highest refinancing rate in 2023, d=
riven by a combination of factors, including low mortgage rates, rising hom=
e equity, and a strong desire among homeowners to lower their monthly payme=
nts.
2.
Alaska: Alaska followed closely behind Hawaii, benefiting from similar fact=
ors as well as a robust economy and a growing population.
3.
Florida: Florida, a popular retirement destination, saw a significant incre=
ase in refinancing activity due to an aging population seeking to lock in l=
ower interest rates and tap into their home equity.
4.
South Carolina: South Carolina's strong housing market and favorable econom=
ic conditions contributed to its high refinancing volume in 2023.
5.
Georgia: Georgia's thriving economy and relatively low cost of living entic=
ed many homeowners to refinance their mortgages.
6.
Alabama: Alabama's improving housing market and growing economy made it an =
attractive destination for refinancing in 2023.
7.
North Carolina: North Carolina's diverse economy and attractive housing mar=
ket drew homeowners seeking to lower their mortgage costs.
8.
Tennessee: Tennessee's strong job market and relatively low housing costs m=
ade it a favorable choice for refinancing in 2023.
9.
Rhode Island: Rhode Island's proximity to major metropolitan areas and its =
desirable lifestyle attracted homeowners seeking to refinance their mortgag=
es.
10.
Connecticut: Connecticut's stable economy and high median home values contr=
ibuted to its high refinancing volume in 2023.

Prevalent Loan Types
Utilized in 2023 Refinancing

11.
Conventional Loans: Conventional loans remained the most popular choice for=
 refinancing in 2023, accounting for over 60% of all refinanced mortgages.
12.
FHA Loans: FHA loans, geared towards borrowers with lower credit scores, he=
ld a significant share of the refinancing market, particularly among first-=
time homeowners.
13.
VA Loans: VA loans, specifically designed for veterans and their families, =
continued to play a crucial role in the refinancing landscape.
14.
USDA Loans: USDA loans, catering to borrowers in rural areas, saw a steady =
demand in 2023.
In conclusion, the top 10 states with the highest refinancing activity in 2=
023 reflected a diverse range of economic and demographic factors. Conventi=
onal loans retained their dominance, while other loan types like FHA, VA, a=
nd USDA loans maintained their presence in the refinancing market.

As the mortgage landscape continues to evolve, it will be interesting to ob=
serve how refinancing trends shape up in the years to come.

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Sam Nelson Account Executive
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<b style>

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<p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt face=3D"Arial, Helvetica" style><font color=3D"#fe0713" style><strong st=
yle><span style=3D"font-size: 12pt;">Refinancing Trends in 2023</span></str=
ong></font></font></p><p align=3D"center" style=3D"font-family:Arial,verdan=
a;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; te=
xt-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0);"><font style><strong style><span style=3D"font-siz=
e: 12pt;">The Top 10 States and Loan Types</span></strong></font></font></p=
><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><s=
trong style=3D"font-family: Arial, Helvetica; font-size: 12pt; background-c=
olor: transparent;"><font style=3D"font-size: 9pt;">by Reginald<font color=
=3D"#fe0713"> Peterson, </font>November 27th, 2023</font></strong></p>

<p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt face=3D"Arial, Helvetica" style=3D"font-size: 12pt;"><font color=3D"#fe0=
713"><b style><span>

</span></b></font></font></p></div></div>
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</td></tr>
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ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
8957969660" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000002852674_zc_v1_1698957975029_avi_werde_hhz4yrvxwla_unsplash_(=
1).jpg" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"ht=
tps://stratus.campaign-image.com/images/1166828000002852674_zc_v1_170105204=
6437_hiveboxx_fwdwo5yeo5s_unsplash.jpg" style=3D"width:570px;height:autopx;=
max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" width=
=3D"570">
=09=09=09</td></tr>
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            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701052255776" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701052255776" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><div id style=3D"outline: none;"><p al=
ign=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00=
0000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font fa=
ce=3D"Arial, Helvetica" style=3D"font-size: 10pt;">

<b style>

</b></font></p>

<p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 19pt; text-align: left;"><font style=3D"font-si=
ze: 10pt;"><span style=3D"font-family: Arial, Helvetica; background-color: =
transparent;"><font style>The year 2023 witnessed a dynamic landscape in th=
e mortgage refinancing market, with varying trends across the United States=
. </font></span><span style=3D"background-color: transparent; font-family: =
Arial, Helvetica;">While some states experienced a surge in refinancing act=
ivity, others saw a decline. </span><span style=3D"background-color: transp=
arent; font-family: Arial, Helvetica;">This article delves into the top 10 =
states that witnessed the highest refinancing volume in 2023, along with an=
 analysis of the prevalent loan types utilized.</span></font></p>

<p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt face=3D"Arial, Helvetica" style=3D"font-size: 12pt;"><font color=3D"#fe0=
713"><b style><span>

</span></b></font></font></p></div></div>
=09=09=09</td></tr>
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       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701053197792" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701053197792" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span><font><strong><br><=
/strong></font></span></font></p><p align=3D"center" style=3D"font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-heigh=
t: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color:#000000;font-size: 12pt;"><span>

<font><strong>Top 10 States with</strong></font></span></font></p><p align=
=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12=
pt;"><span><font><strong>Highest </strong></font></span></font><strong styl=
e=3D"font-size: 12pt; font-family: Arial, Helvetica; background-color: rgba=
(0, 0, 0, 0);">Refinancing Activity in 2023</strong></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1699066621048" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1699066621048" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:21pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentlineheight=3D"21pt" style=3D"line-h=
eight: 21pt;"><p align=3D"center" style=3D"line-height:1.7;font-family:Aria=
l,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: c=
enter; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><span =
style=3D"line-height: 21pt;">

</span></font></p><p align=3D"center" style=3D"line-height:1.7;font-family:=
Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-alig=
n: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; c=
olor: rgb(0, 0, 0); line-height: 21pt;"><font style=3D"line-height: 21pt;">=
</font></font></font></p><p align=3D"center" style=3D"line-height:1.7;font-=
family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;te=
xt-align: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 21pt;"><font style=3D"line-height: 21pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><=
font style=3D"font-size: 12pt; line-height: 21pt;"><b></b></font></font></f=
ont></font></font></p><span style=3D"line-height: 21pt;"><font style=3D"fon=
t-size: 11pt;">

</font><ol style=3D"font-family: Arial, Helvetica; line-height: 18pt;"><li =
style=3D"font-family: Arial, Helvetica; line-height: 21pt; font-size: 11pt;=
"><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><fon=
t color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);=
 line-height: 21pt; font-size: 11pt;"><strong style>Hawaii:</strong> Hawaii=
 topped the list with the highest refinancing rate in 2023, driven by a com=
bination of factors, including low mortgage rates, rising home equity, and =
a strong desire among homeowners to lower their monthly payments.</font></p=
><font style=3D"font-size: 11pt;"><span style=3D"line-height: 21pt;"></span=
><span style=3D"line-height: 21pt;"></span></font><li style=3D"font-family:=
 Arial, Helvetica; line-height: 21pt; font-size: 11pt;"><font style=3D"font=
-size: 11pt;"><span style=3D"line-height: 21pt;"></span></font><p style=3D"=
line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;text-align: left; line-height: 21pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: =
21pt; font-size: 11pt;"><strong>Alaska:</strong> Alaska followed closely be=
hind Hawaii, benefiting from similar factors as well as a robust economy an=
d a growing population.</font></p><font style=3D"font-size: 11pt;"><span st=
yle=3D"line-height: 21pt;"></span><span style=3D"line-height: 21pt;"></span=
></font><li style=3D"font-family: Arial, Helvetica; line-height: 21pt; font=
-size: 11pt;"><font style=3D"font-size: 11pt;"><span style=3D"line-height: =
21pt;"></span></font><p style=3D"line-height:1.7;font-family:Arial,verdana;=
font-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-=
height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"c=
olor: rgb(0, 0, 0); line-height: 21pt; font-size: 11pt;"><strong>Florida:</=
strong> Florida, a popular retirement destination, saw a significant increa=
se in refinancing activity due to an aging population seeking to lock in lo=
wer interest rates and tap into their home equity.</font></p><font style=3D=
"font-size: 11pt;"><span style=3D"line-height: 21pt;"></span><span style=3D=
"line-height: 21pt;"></span></font><li style=3D"font-family: Arial, Helveti=
ca; line-height: 21pt; font-size: 11pt;"><font style=3D"font-size: 11pt;"><=
span style=3D"line-height: 21pt;"></span></font><p style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: left; line-height: 21pt;"><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt; font-size=
: 11pt;"><strong>South Carolina:</strong> South Carolina's strong housing m=
arket and favorable economic conditions contributed to its high refinancing=
 volume in 2023.</font></p><font style=3D"font-size: 11pt;"><span style=3D"=
line-height: 21pt;"></span><span style=3D"line-height: 21pt;"></span></font=
><li style=3D"font-family: Arial, Helvetica; line-height: 21pt; font-size: =
11pt;"><font style=3D"font-size: 11pt;"><span style=3D"line-height: 21pt;">=
</span></font><p style=3D"line-height:1.7;font-family:Arial,verdana;font-si=
ze:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-height:=
 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); line-height: 21pt; font-size: 11pt;"><strong>Georgia:</strong>=
 Georgia's thriving economy and relatively low cost of living enticed many =
homeowners to refinance their mortgages.</font></p><font style=3D"font-size=
: 11pt;"><span style=3D"line-height: 21pt;"></span><span style=3D"line-heig=
ht: 21pt;"></span></font><li style=3D"font-family: Arial, Helvetica; line-h=
eight: 21pt; font-size: 11pt;"><font style=3D"font-size: 11pt;"><span style=
=3D"line-height: 21pt;"></span></font><p style=3D"line-height:1.7;font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-a=
lign: left; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); line-height: 21pt; font-size: 11pt;"><=
strong>Alabama:</strong> Alabama's improving housing market and growing eco=
nomy made it an attractive destination for refinancing in 2023.</font></p><=
font style=3D"font-size: 11pt;"><span style=3D"line-height: 21pt;"></span><=
span style=3D"line-height: 21pt;"></span></font><li style=3D"font-family: A=
rial, Helvetica; line-height: 21pt; font-size: 11pt;"><font style=3D"font-s=
ize: 11pt;"><span style=3D"line-height: 21pt;"></span></font><p style=3D"li=
ne-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;paddi=
ng:0px;margin: 0;text-align: left; line-height: 21pt;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21=
pt; font-size: 11pt;"><strong>North Carolina:</strong> North Carolina's div=
erse economy and attractive housing market drew homeowners seeking to lower=
 their mortgage costs.</font></p><font style=3D"font-size: 11pt;"><span sty=
le=3D"line-height: 21pt;"></span><span style=3D"line-height: 21pt;"></span>=
</font><li style=3D"font-family: Arial, Helvetica; line-height: 21pt; font-=
size: 11pt;"><font style=3D"font-size: 11pt;"><span style=3D"line-height: 2=
1pt;"></span></font><p style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-h=
eight: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0); line-height: 21pt; font-size: 11pt;"><strong>Tennessee:<=
/strong> Tennessee's strong job market and relatively low housing costs mad=
e it a favorable choice for refinancing in 2023.</font></p><font style=3D"f=
ont-size: 11pt;"><span style=3D"line-height: 21pt;"></span><span style=3D"l=
ine-height: 21pt;"></span></font><li style=3D"font-family: Arial, Helvetica=
; line-height: 21pt; font-size: 11pt;"><font style=3D"font-size: 11pt;"><sp=
an style=3D"line-height: 21pt;"></span></font><p style=3D"line-height:1.7;f=
ont-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: =
0;text-align: left; line-height: 21pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt; font-size: =
11pt;"><strong>Rhode Island:</strong> Rhode Island's proximity to major met=
ropolitan areas and its desirable lifestyle attracted homeowners seeking to=
 refinance their mortgages.</font></p><font style=3D"font-size: 11pt;"><spa=
n style=3D"line-height: 21pt;"></span><span style=3D"line-height: 21pt;"></=
span></font><li style=3D"font-family: Arial, Helvetica; line-height: 21pt; =
font-size: 11pt;"><font style=3D"font-size: 11pt;"><span style=3D"line-heig=
ht: 21pt;"></span></font><p style=3D"line-height:1.7;font-family:Arial,verd=
ana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; l=
ine-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 21pt; font-size: 11pt;"><strong style=
>Connecticut:</strong> Connecticut's stable economy and high median home va=
lues contributed to its high refinancing volume in 2023.</font></p></ol>

</span><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; =
line-height: 21pt;"><b style=3D"font-size: 12pt; font-family: Arial, Helvet=
ica; background-color: transparent;"></b></p><p align=3D"center" style=3D"l=
ine-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;text-align: center; line-height: 21pt;"></p><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 12pt; line-height: 21pt;">

</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 21pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701053328595" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701053328595" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><b style=3D"background-color: rgba(0, 0, =
0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 12pt;">Prevale=
nt Loan Types</b><br></p><div align=3D"center" style=3D"text-align: center;=
"><span><font style=3D"font-size: 12pt;"><b>Utilized in 2023 Refinancing</b=
></font>

</span><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12p=
x; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: cente=
r;"><strong style=3D"font-size: 12pt; font-family: Arial, Helvetica; backgr=
ound-color: rgba(0, 0, 0, 0);"></strong></p></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701053289333" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701053289333" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:21pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentlineheight=3D"21pt" style=3D"line-h=
eight: 21pt;"><p align=3D"center" style=3D"line-height:1.7;font-family:Aria=
l,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: c=
enter; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><span =
style=3D"line-height: 21pt;">

</span></font></p><p align=3D"center" style=3D"line-height:1.7;font-family:=
Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-alig=
n: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; c=
olor: rgb(0, 0, 0); line-height: 21pt;"><font style=3D"line-height: 21pt;">=
</font></font></font></p><p align=3D"center" style=3D"line-height:1.7;font-=
family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;te=
xt-align: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 21pt;"><font style=3D"line-height: 21pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><=
font style=3D"font-size: 12pt; line-height: 21pt;"><b></b></font></font></f=
ont></font></font></p><span style=3D"line-height: 21pt;">

<ol style=3D"font-family: Arial, Helvetica; line-height: 18pt;"><li style=
=3D"font-family: Arial, Helvetica; line-height: 21pt; font-size: 11pt;"><p =
style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#0=
00000;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line=
-height: 21pt; font-size: 11pt;"><strong style>Conventional Loans:</strong>=
 Conventional loans remained the most popular choice for refinancing in 202=
3, accounting for over 60% of all refinanced mortgages.</font></p><font sty=
le=3D"font-size: 11pt;"><span style=3D"line-height: 21pt;"></span><span sty=
le=3D"line-height: 21pt;"></span></font><li style=3D"font-family: Arial, He=
lvetica; line-height: 21pt; font-size: 11pt;"><font style=3D"font-size: 11p=
t;"><span style=3D"line-height: 21pt;"></span></font><p style=3D"line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;text-align: left; line-height: 21pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt; font=
-size: 11pt;"><strong>FHA Loans:</strong> FHA loans, geared towards borrowe=
rs with lower credit scores, held a significant share of the refinancing ma=
rket, particularly among first-time homeowners.</font></p><font style=3D"fo=
nt-size: 11pt;"><span style=3D"line-height: 21pt;"></span><span style=3D"li=
ne-height: 21pt;"></span></font><li style=3D"font-family: Arial, Helvetica;=
 line-height: 21pt; font-size: 11pt;"><font style=3D"font-size: 11pt;"><spa=
n style=3D"line-height: 21pt;"></span></font><p style=3D"line-height:1.7;fo=
nt-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0=
;text-align: left; line-height: 21pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt; font-size: 1=
1pt;"><strong>VA Loans:</strong> VA loans, specifically designed for vetera=
ns and their families, continued to play a crucial role in the refinancing =
landscape.</font></p><font style=3D"font-size: 11pt;"><span style=3D"line-h=
eight: 21pt;"></span><span style=3D"line-height: 21pt;"></span></font><li s=
tyle=3D"font-family: Arial, Helvetica; line-height: 21pt; font-size: 11pt;"=
><font style=3D"font-size: 11pt;"><span style=3D"line-height: 21pt;"></span=
></font><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12p=
x; color:#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, =
0, 0); line-height: 21pt; font-size: 11pt;"><strong>USDA Loans:</strong> US=
DA loans, catering to borrowers in rural areas, saw a steady demand in 2023=
.</font></p><font style=3D"font-size: 11pt;"><span style=3D"line-height: 21=
pt;"></span><span style=3D"line-height: 21pt;"></span></font></ol><div><spa=
n style=3D"font-size: 11pt; font-family: Arial, Helvetica; background-color=
: transparent;">In conclusion, the top 10 states with the highest refinanci=
ng activity in 2023 reflected a diverse range of economic and demographic f=
actors. Conventional loans retained their dominance, while other loan types=
 like FHA, VA, and USDA loans maintained their presence in the refinancing =
market.</span></div><div><span style=3D"font-size: 11pt; font-family: Arial=
, Helvetica; background-color: transparent;"><br></span></div><p style=3D"l=
ine-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;text-align: left; line-height: 21pt;"><font color=3D"#000=
000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 2=
1pt; font-size: 11pt;">As the mortgage landscape continues to evolve, it wi=
ll be interesting to observe how refinancing trends shape up in the years t=
o come.</font></p><p style=3D"line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-hei=
ght: 21pt;"><br></p>

</span><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; =
line-height: 21pt;"><b style=3D"font-size: 12pt; font-family: Arial, Helvet=
ica; background-color: transparent;"></b></p><p align=3D"center" style=3D"l=
ine-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;text-align: center; line-height: 21pt;"></p><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 12pt; line-height: 21pt;">

</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 21pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
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=09=09=09
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             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
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</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
lign: center;"><b style=3D"background-color: transparent; font-size: 11pt; =
font-family: Arial, Helvetica;">Sam Nelson&nbsp;<font color=3D"#fe0713">Acc=
ount Executive</font></b><br></p><p align=3D"center" style=3D"font-family:A=
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Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font><font style=3D"font-s=
ize: 11pt;">Call or Text (949) 981-6942</font></font></font></font></font><=
/p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;">=
<font face=3D"Arial, Helvetica" style><font face=3D"Arial, Helvetica" style=
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"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12pt;=
">

</font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, san=
s-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:=
12px;padding:0px;"></p></div>
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=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"mailto:sne=
lson@thelender.com?subject=3DLoan%20Scenarios%20" style=3D"border-radius:11=
5px;height:40px;v-text-anchor:middle;width:230px;" arcsize=3D"115%" strokec=
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=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Loan Scenarios Click Here</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"mailto:snelson@thelende=
r.com?subject=3DLoan%20Scenarios%20" style=3D"padding:0px 0px;background-co=
lor:#fe0713;width:230px;height:40px;font-size:11pt;direction:ltr;font-famil=
y:Arial;color:#ffffff;cursor:pointer;text-decoration:none;border-radius:115=
px;border:0px solid #ffffff;border-collapse:separate;display:table;mso-hide=
:all;text-align:center;">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Loan Scenarios Click Here
=09=09=09=09=09=09=09</font>
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lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
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transparent;">
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order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
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15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
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<tr><td class=3D"txtsize" id=3D"elm_1698958472806" style=3D" mso-table-lspa=
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=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
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kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
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dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span>

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
lign: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"c=
olor: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" styl=
e=3D"color: rgb(0, 0, 0);"><font style><font style><font style><font style>=
<font style=3D"font-size: 9pt;">Hometown Equity Mortgage, LLC (NMLS #133519=
)</font></font></font></font></font></font></font></p><p align=3D"center" s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font>=
<font><font><font><font style=3D"font-size: 9pt;">dba theLender. All Rights=
 Reserved.</font></font></font></font></font></font></font></font></p><p al=
ign=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00=
0000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
);"><font><font><font style=3D"font-size: 9pt;">NMLS #133519. CL &ndash; 13=
3519</font></font></font></font></font></p><p align=3D"center" style=3D"fon=
t-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;=
line-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font><font styl=
e=3D"font-size: 9pt;"><br></font></font></font></font></font></p><p align=
=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"=
><font><font><font style><font style=3D"font-size: 9pt;">For licensing info=
rmation, go to: <a data-saferedirecturl=3D"https://www.google.com/url?q=3Dh=
ttp://www.nmlsconsumeraccess.org/&source=3Dgmail&ust=3D1699044272040000&usg=
=3DAOvVaw29GRNjzACcguiYxPUXIbfw" href=3D"http://www.nmlsconsumeraccess.org/=
" rel=3D"noopener noreferrer" style=3D"text-decoration:underline;color: rgb=
(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_3">www.nmlsconsumeraccess.=
org</a></font><br></font></font></font></font></font></p><p align=3D"center=
" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><fo=
nt><font style=3D"font-size: 9pt;"><br></font></font></font></font></font><=
/p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb=
(0, 0, 0);"><font><font><font><font><font style=3D"font-size: 9pt;"><font><=
a data-saferedirecturl=3D"https://www.google.com/url?q=3Dhttps://wholesale.=
thelender.com/licensing/&source=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw=
2tRdr0isTYoMszXWhv1Qbx" href=3D"https://mofway-zgph.maillist-manage.net/cli=
ck/1103167e246268da3/1103167e24626485e" rel=3D"noopener noreferrer" style=
=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=3D"_blank" zc=
url_name=3D"l_4">Licensing</a> | </font><a data-saferedirecturl=3D"https://=
www.google.com/url?q=3Dhttps://wholesale.thelender.com/site-map/&source=3Dg=
mail&ust=3D1699044272040000&usg=3DAOvVaw2svIp9HLhQE5zj72swE6hK" href=3D"htt=
ps://mofway-zgph.maillist-manage.net/click/1103167e246268da3/1103167e246264=
860" rel=3D"noopener noreferrer" style=3D"text-decoration:underline;color: =
rgb(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_5">Site Map</a> | <a da=
ta-saferedirecturl=3D"https://www.google.com/url?q=3Dhttps://wholesale.thel=
ender.com/privacy/&source=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw0NcOlp=
2z7KlaUlEZv3QVip" href=3D"https://mofway-zgph.maillist-manage.net/click/110=
3167e246268da3/1103167e246264862" rel=3D"noopener noreferrer" style=3D"text=
-decoration:underline;color: rgb(51, 51, 51);" target=3D"_blank" zcurl_name=
=3D"l_6">Privacy</a></font></font></font></font></font></font></font></p><p=
 align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0=
, 0);"><font><font><font style=3D"font-size: 9pt;"><font><font> </font></fo=
nt><font><font><a data-saferedirecturl=3D"https://www.google.com/url?q=3Dht=
tps://wholesale.thelender.com/feedback/&source=3Dgmail&ust=3D16990442720400=
00&usg=3DAOvVaw2impa7HjKs1QFU9Mvl5Naf" href=3D"https://mofway-zgph.maillist=
-manage.net/click/1103167e246268da3/1103167e246264864" rel=3D"noopener nore=
ferrer" style=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=
=3D"_blank" zcurl_name=3D"l_7">Anonymous Feedback to theLender</a></font></=
font><br></font></font></font></font></font></p><p align=3D"center" style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 19pt; text-align: center;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font styl=
e=3D"font-size: 9pt;"><br></font></font></font></font></p><p align=3D"cente=
r" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D=
"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><f=
ont style=3D"font-size: 9pt;"></font></font></font></font></p><p align=3D"c=
enter" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><fon=
t style><font style=3D"font-size: 8pt;"><font style>This website is for pro=
fessional use only and is a </font><font style><font>business to</font> <fo=
nt>business </font></font><font style>communication not intended for consum=
ers.</font></font></font></font></font></p><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color:#000000;font-size: 12pt;">

</font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center;"=
></p></div>
=09=09=09</td></tr>
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       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958739636" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1698958739636" style=
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r:#f4f4f4;">
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padding-right:15px;padding-left:15px;">
             =09    =09=09<div componentbgcolor=3D"#f4f4f4" componentlinehe=
ight=3D"11pt" componentpaddingbottom=3D"20px" componentpaddingleft=3D"15px"=
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height: 11pt;"><p align=3D"center" style=3D"line-height:1.7;font-family:Ari=
al,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: =
center; line-height: 11pt;"><font color=3D"#333333" face=3D"Arial, Helvetic=
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; line-height: 11pt;"><font color=3D"#333333" face=3D"Arial, Helvetica" sty=
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=09=09=09=09=09</td>=20
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