While there's no question that mortgage professionals depend on and support lenders in order to conduct business, the question remains: which lenders are equally supportive of their most important distribution channel, the mortgage professional? Once again, CMP is seeking to determine which lenders are really looking after the broker channel and their customers, in the current market. As part of our annual survey, CMP asks brokers to take a few minutes to complete the questions below and share their opinions around whether or not the lenders they deal with are getting it right.

Deadline: July 20, 2010

Section 1: Rank your lender This is your chance to rate your lenders' performance across a number of areas Please fill in a lender that you have dealt with in the last 12 months and rate them from 1 to 5 (one being the lowest, and five being the highest) across all categories. 1 = very poor;  2 = poor;  3 = satisfactory;  4 = good;  5 = very good Please only rank lenders that you have dealt with in your time as a mortgage professional. Lender Approval/ loan turnaround times BDM support Underwriter support Transparency of commission structure Broker support (training, information seminars, etc) IT and electronic/ technology Interest rates Product range Overall service level to brokers Satisfaction index on overall credit policy 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Of the criteria, which is most important to you as a broker? Approval/ loan turnaround times BDM support Underwriter support Transparency of commission structure Broker support (training, information seminars, etc) IT and electronic/ technology Interest rates Product range Overall service level to brokers Satisfaction index on overall credit policy

Section 2: Your feedback

1. How long have you been a broker/ agent? Less than a year 1-2 years 2-5 years 5+ years 2. Have you ever worked for a lender? Yes No 3. If the answer to the above is yes, for how long? 0-5 years Longer than 5 years 4. What % of loans would you put through chartered banks (as compared to other lenders) on average each month? 0-20% 21-40% 41-60% 61-80% 81-100% 5. What % of your clients will initially inquire about getting their mortgages from non banks (ie: non traditional, consumer banks)? 0-20% 21-40% 41-60% 61-80% 81-100% 6. What % of your clients will initially inquire about getting their mortgages from traditional banks? 0-20% 21-40% 41-60% 61-80% 81-100% 7. Have you had a loan clawbacked in the last 12 months? Yes No 8. Do you find commission structures confusing? Yes No 9. Are you seeing a push towards lender commissions being based more on efficiency rather than volume? Yes No 10. If yes, is that a positive development in your view? Yes No

Section 3: Open-ended questions

11. Overall, is one particular lender performing better than the rest? If so, which lender and why? 12. What is the biggest challenge you've had with a lenders service in the last 12 months? 13. What is the best thing a lender has done for you in the past 12 months? 14. What is one thing you would like to see lenders improve on in the next 6-12 months? 15. What do you think is the most important skill an underwriter can have? 16. How do you predict commissions/ bonuses will evolve in the future? 17. What do you think will be the most important issue that will affect the broker/ lender relationship in the next 6-12 months? 18. What is one thing you would like to see lenders improve on in the next 6-12 months?

Section 4: Your details

Please provide your contact details below Name : Position : Company name : Brokerage/ Franchise group : Number of years as a broker : City : Province : Postal Code : Phone : (e.g., 1231231234) Email :

Would you like your responses to remain anonymous? Yes No If you have any extended responses you would like to offer, please e-mail the editor, Gina Monaco at gina.monaco@kmimedia.ca CMP would like to thank your for your help with this survey.