Inside Lending Newsletter - For the week of October 31, 2011 – Vol. 9, Issue 44

> Market Update  QUOTE OF THE WEEK..."Success seems to be largely a matter of hanging on after others have let go."--William Feather, American author and publisher INFO THAT HITS US WHERE WE LIVE...Last week's housing news did give all of us in the industry a few more things to hang onto. First, we saw new single-family home sales go up 5.7% in September, to a 313,000 annual rate. Next, it was nice to see the supply of new homes drop to 6.2 months. The inventory is now at the lowest level on record. Then, Case-Shiller's 20-City Composite Home Price index was up for the fifth month in a row in August and 16 of the 20 metros tracked saw an improvement in their annual rates of change. Case-Shiller called this "a modest glimmer of hope" for the housing market. We'll take it. Finally, the Pending Home Sales Index dropped a bit in September but was UP 6.4% year over year. This gauges signed contracts on existing homes that are not yet closed. BUSINESS TIP OF THE WEEK...Be decisive in recognizing mistakes, even if they're your own. When you see something wrong, don't dwell on it--fix it!. That's the fastest way to success. >> Review of Last Week FOREIGN PROGRESS, DOMESTIC BLISS...Just the announcement of a plan to solve the debt crisis in Europe was more than enough to send investors into a state of ecstasy. Well, that may be a bit of an exaggeration, but the Wall Street faithful certainly felt upbeat enough to send all three market indexes solidly northward for the week. This makes four straight weekly gains for the broadly based S&P 500. But good news from foreign lands couldn't take all the credit. Over here, Q3 corporate earnings reports were mostly better than expected. Personal Income was up for September, as was Personal Spending, showing the consumer has the money to participate in the recovery and is willing to do so. Even the most strident recession evangelists were silenced by Thursday's Advance Q3 GDP which had the economy expanding at a 2.5% annual rate. This is nicely above Q2's 1.3% rate, although not yet high enough for the job growth we need. For the week, the Dow ended UP 3.6%, at 12231; the S&P 500 was UP 3.8%, to 1285; and the Nasdaq also gained 3.8%, to 2737. Europe's blueprint to ease its debt crisis got investors dumping bonds and moving into riskier equities. The selling sent bond prices down, although some of those losses were recovered on Friday. The FNMA 3.5% bond we watch ended the week down .05, at $100.26. But there was little change in mortgage rates, as national averages pretty much held steady, according to Freddie Mac's weekly survey. Of course, interest rates could rise if mortgage bonds lose their investor appeal. DID YOU KNOW?...The Employment Report, released by the Bureau of Labor Statistics on the first Friday of each month, contains data for the period ending on day 12 of the prior month. >> This Week’s Forecast LOOKING AT MANUFACTURING, THE FED, OCTOBER JOBS... The week begins with a couple of good readings on manufacturing, the Chicago PMI and the ISM Index both expected to continue showing expansion. The Federal Reserve stages another Federal Open Market Committee meeting this week. The Funds rate will stay where it is, but the policy statement on Wednesday will be scrutinized as usual. The key economic news for the week will be the October Employment Report on Friday. Unfortunately, the forecast is for just 88,000 new jobs, not enough to bring the Unemployment Rate down from 9.1%. >> The Week’s Economic Indicator Calendar Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates. Economic Calendar for the Week of Oct 31 – Nov 4  Date Time (ET) Release For Consensus Prior Impact M Oct 31 09:45 Chicago PMI Oct 58.9 60.4 HIGH Tu Nov 1 10:00 ISM Index Oct 52.1 51.6 HIGH W Nov 2 10:30 Crude Inventories 10/29 NA 4.735M Moderate W Nov 2 12:30 FOMC Rate Decision 11/2 0%-0.25% 0%-0.25% HIGH Th Nov 3 08:30 Initial Unemployment Claims 10/29 402K 402K Moderate Th Nov 3 08:30 Continuing Unemployment Claims 10/22 3.675M 3.645M Moderate Th Nov 3 08:30 Productivity-Prelim. Q3 2.8% -0.7% Moderate Th Nov 3 10:00 ISM Services Oct 53.7 53.0 Moderate F Nov 4 08:30 Average Workweek Oct 34.3 34.3 Moderate F Nov 4 08:30 Hourly Earnings Oct 0.2% 0.2% Moderate F Nov 4 08:30 Nonfarm Payrolls Oct 88K 103K HIGH F Nov 4 08:30 Unemployment Rate Oct 9.1% 9.1% HIGH >> Federal Reserve Watch    Forecasting Federal Reserve policy changes in coming months...This week's FOMC meeting is expected to leave the Funds rate at its super low level. The Fed said it wants to keep the rate there through mid-2013. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same. Current Fed Funds Rate: 0%–0.25% After FOMC meeting on: Consensus Nov 2 0%–0.25% Dec 13 0%–0.25% Jan 25 0%–0.25% Probability of change from current policy: After FOMC meeting on: Consensus Nov 2      <1% Dec 13      <1% Jan 25      <1%

This e-mail is an advertisement for Dan Davidson. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending; A Plains Capital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending; A Plains Capital Company. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; Illinois Residential Mortgage Licensee, IL Dept of Financial and Professional Regulation, - lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking– lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 10331

9 Easy Ways to Make Your Emails Sing!

Social networks and blogs are great marketing tools. But an email program is still a very effective way to tell your target about important information, interesting news and enticing offers.

To be effective with emails, simply follow the golden rule. Send out the kinds of emails you'd like to receive. What gets you to open an email? Most people say it's a compelling subject line. That only gives you around 50 characters to create a big impact, so here's where to focus your effort.

Steps to Writing a Great Email Subject Line

1. Take your time. Don't just throw some words into the email template. Take the time to play with a few approaches and see which are the most compelling.

2. Make it personal. Subject lines with the subscriber's first name always work better. Referring to their tastes, preferences or purchase history can also work well. If you can, use the name of your company. Experts say these personalized subject lines can increase open rates up to 64%.

3. Study the newspaper. News headlines use just a few words to highlight the most important part of a story in a compelling way.

4. Include as much relevant info as you can. Adding offer details, product names and other info will increase open rates, as long as you keep it short.

5. Give them a deadline. Adding urgency to your subject line boosts open rates. If you have a short-term offer, do a series of emails. Announce the deadline and then follow up with "just 24 hours left."

6. Be brief. Cut out words you don't need. Try eliminating greetings, articles, adjectives and adverbs. Just clearly say what action to take. Try to raise curiosity while promising a benefit.

7. Be alert for spam filters. It's key to be urgent and compelling, but avoid expressions like: FREE!!!, URGENT!, Best Deal$, Save $$$ or any other spam type terms. Such crass appeals rarely work anyway.

8. Do A/B testing if you can. Some email service providers offer A/B testing to see which subject line works best. A couple of days before a big send take a portion of your list and test subject line options. Then use the winner for your major send. A line with as little as 8 or 9% better open or conversion rate can have a huge impact on long-term ROI!

9. Some final questions. Before you hit "send," ask yourself:

• If a benefit is implied in the subject line, does the email follow through on that?
• If the email is about saving the reader money, is that reflected in the subject line?
• If the email is about improving the reader's life, is that reflected in the subject line?

Of course, the best email content inspires the best subject lines. So work hard to come up with great Webinar invitations, useful downloads and valuable offers and your open and conversion rates can improve dramatically.... Enjoy a great month!  

This e-mail is an advertisement for Dan Davidson. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending; A Plains Capital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending; A Plains Capital Company. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; Illinois Residential Mortgage Licensee, IL Dept of Financial and Professional Regulation, - lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking– lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 10331

Should sellers do a presale inspection? PLUS...Beware of mortgage modification scams!

Wise buyers always do a professional inspection on a home they want to purchase. But in the last few years, sellers have also begun doing inspections–before putting their homes on the market.

When you're selling, a presale inspection avoids problems by making buyers aware of any defects before closing the deal. The seller's inspection may also uncover a problem you didn't know about. In that case, you can decide to fix it or offer buyers an allowance for the repair.

You should make a list of everything to be done, get estimates, and then decide what to do before putting your home up for sale. Your real estate agent can help set priorities and advise you which fixes will give you the best payback.

If you already know about defects, you can correct them before the inspection. Or you can wait and get the inspector's professional opinion of what to do. You can then show the inspection report to the buyers along with copies of the invoices for the repairs.

It's vital to use a good inspector. Ask your real estate agent and others for recommendations. Check references and be sure to get a written report to show to buyers.

WATCH OUT FOR MORTGAGE MODIFICATION SCAMMERS!

In the last few years, outfits have popped up offering home owners "forensic loan audits." They say they'll review the homeowner's mortgage loan documents, establish whether the lender complied with federal and state laws and speed up the process of requesting a loan modification.

The truth is that even if the audit reveals errors in the loan documents, the process very rarely results in a loan modification or rescind.

Even worse, scammers often make false promises that they will secure a loan mod, principal reduction or have the loan rescinded. Then they just string homeowners along or simply disappear. Here's how to protect yourself:

• Don't trust anyone who guarantees results.
• Don't work with anyone who asks for an upfront fee.
• Don't sign any contracts under time pressure and don't sign any you don't understand.
• Don't stop paying your mortgage, even if they tell you to.
• Don't give anyone your personal financial information, except an appropriate loan help organization.

Fortunately, free, legitimate help is available from the not-for-profit Homeownership Preservation Foundation. Call 888-995-HOPE (toll-free) or visit: http://www.995hope.org. The Department of Housing and Urban Development (HUD) also lists by state legitimate housing groups that help homeowners. Visit: http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure/local

And of course, we're always here to answer any questions.... Have a great day!

PS  Thinking of  taking advantage of today's affordable home prices and historic low mortgage rates to upsize, downsize or refinance? Please call or email us now to discuss your situation.

This was sent to you because of your relationship with Dan Davidson. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending; A Plains Capital Company and cannot be reproduced for any use without prior written consent. PrimeLending; A Plains Capital Company is an Equal Housing Lender. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; Illinois Residential Mortgage Licensee, IL Dept of Financial and Professional Regulation, - lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking– lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS#

For the week of October 24, 2011 – Vol. 9, Issue 43

Market Update  QUOTE OF THE WEEK..."It would be so nice if something made sense for a change."--"Alice in Wonderland," Lewis Carroll INFO THAT HITS US WHERE WE LIVE...What didn't make sense last week was the way the media reported the latest housing data. Housing Starts were UP a strong 15% in September, hitting a 658,000 annual rate. But the media chose to emphasize that the gain was mostly from multi-family starts which shows a big trend toward renting. Actually, multi-family units also include condominiums, which do make sense for first time buyers who don't have to deal with selling. The media also skimmed over the data that single-family starts were UP almost 2% for the month and starts overall are UP over 10% versus a year ago. Then, Existing Home Sales came in 3% lower for September. The media reports by and large neglected to mention that this slight monthly drop followed a big increase achieved in August. In addition, Existing Home Sales are UP 11.3% year-over-year in September, the third straight month this figure has risen by double digits! Inventory is also down 13% in the last year and sales seem to be stabilizing around a 4.6 to 5.0 million annual rate. Not bad at all. BUSINESS TIP OF THE WEEK...Success takes commitment--and time. So it's super important to be both passionate and patient developing your business until you get it just right. >> Review of Last Week AN UP AND DOWN WEEK...Things were volatile last week on Wall Street with the proceedings even concluding in up-and-down fashion, the Dow and the S&P 500 up for the period, but the tech-heavy Nasdaq a bit down. As usual, the volatility was all Europe's fault, as a steady stream of news alternately stirred hopes and then fears that their debt problems would be solved. There will be an EU summit this weekend and another midweek, which could clear things up. Let's hope. Over here, Q3 corporate earnings season got off to a nice start, with around 70% of the companies reporting beating estimates. One glaring exception was Apple, who missed as people waited for the new iPhone, and this dragged down the Nasdaq. PPI wholesale inflation was up sharply for the month, but the Core CPI consumer inflation the Fed follows came in lower than expected. Manufacturing continues to show no signs of recession, with the Philadelphia Fed manufacturing index and Industrial Production both UP nicely and factory capacity at its highest level since August 2008!  For the week, the Dow ended UP 1.4%, at 11809 and the S&P 500 was UP 1.1%, to 1238; but the Nasdaq slipped 1.1%, to 2637. While most equities did well, bond prices didn't fare too badly either. The FNMA 3.5% bond we watch closed Friday at $100.31, up .08 for the week. National average mortgage rates held steady, remaining at last week's super low levels, according to Freddie Mac's weekly survey of conforming mortgage rates. DID YOU KNOW?...Homes listed on a Friday are 18.8% more likely to be toured and 12% more likely to sell within 90 days than homes listed on other days. This is from a study of 1.2 million listings over 21 months in 16 markets nationwide. >> This Week’s Forecast NEW HOME SALES, PENDING HOME SALES, GDP AND THE CONSUMER MINDSET... Wednesday, New Home Sales for September, are expected to be up slightly to around a 300,000 annual rate. The next day gives us Pending Home Sales for August. This measure of signed contracts on Existing Homes can indicate actual sales a couple of months out and it's predicted to be down slightly from the prior month. On the overall economy, we'll have the GDP Advanced reading for Q3, which ended September 30. The forecast is for an improvement, but with GDP still well below 3%, there isn't yet the strong growth needed for recovery. What consumers think of all this will be reflected in Consumer Confidence and the University of Michigan Consumer Sentiment index, which are expected to hold steady. >> The Week’s Economic Indicator Calendar Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates. Economic Calendar for the Week of Oct 24 – Oct 28  Date Time (ET) Release For Consensus Prior Impact Tu Oct 25 10:00 Consumer Confidence Oct 46.0 45.4 Moderate W Oct 26 08:30 Durable Goods Orders Sep -1.0% -0.1% Moderate W Oct 26 10:00 New Home Sales Sep 300K 295K Moderate W Oct 26 10:30 Crude Inventories 10/22 NA -4.729M Moderate Th Oct 27 08:30 Initial Unemployment Claims 10/22 403K 403K Moderate Th Oct 27 08:30 Continuing Unemployment Claims 10/15 3.700M 3.719M Moderate Th Oct 27 08:30 GDP-Advanced Q3 2.2% 1.3% Moderate Th Oct 27 08:30 GDP Deflator-Adv. Q3 2.5% 2.5% Moderate Th Oct 27 10:00 Pending Home Sales Aug -1.0% -1.2% Moderate F Oct 28 08:30 Personal Income Sep 0.3% -0.1% Moderate F Oct 28 08:30 Personal Spending Sep 0.6% 0.2% HIGH F Oct 28 08:30 Core PCE Prices Sep 0.1% 0.1% HIGH F Oct 28 08:30 Employment Cost Index Q3 0.6% 0.7% HIGH F Oct 28 09:55 U. of Michigan Consumer Sentiment-Final Oct 57.5 57.5 Moderate >> Federal Reserve Watch    Forecasting Federal Reserve policy changes in coming months...Economists are still forecasting the Funds rate to remain at its super low level for some time. The Fed said it wants to keep the rate down through the summer of 2013. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same. Current Fed Funds Rate: 0%–0.25% After FOMC meeting on: Consensus Nov 2 0%–0.25% Dec 13 0%–0.25% Jan 25 0%–0.25% Probability of change from current policy: After FOMC meeting on: Consensus Nov 2      <1% Dec 13      <1% Jan 25      <1%

This e-mail is an advertisement for Dan Davidson. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending; A Plains Capital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending; A Plains Capital Company. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; Illinois Residential Mortgage Licensee, IL Dept of Financial and Professional Regulation, - lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking– lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 10331