January Connections

JANUARY 2023 Spotlight: New Year, Goals, and Opportunities Page 6 2023 Employee Recognition Programs Page 16 2023 Castle Cares Page 17

Table of Contents 03 Birthdays, Anniversaries, New Hires Castle & Cooke Mortgage 04 Executive Insights Executive Team 05 2022 By the Number$ 06 HR Message - New Year, Goals, & Opportunities Rick Cardillo | President/CEO 07 Employee Perks & Benefits Jim Modrycki | SVP Production 09 Learning & Development Guide Danny Jasper | EVP Capital Markets Perris Bullard | SVP Credit Risk Colleen Fisher | SVP Operations Samantha Bateman | SVP Compliance Scott Gonzalez | Chief Financial Officer Katie Evans | SVP Human Resources Connections Production Staff Ali Carver | Editor & Employee Engagment Manager Brittnee Talley | Designer 12 Employee Recognition 14 Summit Club 2023 Qualifications 16 HOME Value of Focus: Happenings that Foster Connections 17 Castle Cares 20 Employee & Team Highlights 24 Thomas Martin Tribute 13751 South Wadsworth Park Drive, Suite 101, Draper UT 84020 Copyright 2022 | Castle & Cooke Mortgage, LLC | NMLS #1251 Equal Housing Lender | All Rights Reserved

Birthdays Anniversaries Welcome Februar Colleen Bruening, Feb. 2 Nichole Belnap, 8 years Sheila Smith | Loan Officer Felicia Gunn, Feb. 2 Nicole Borkowski, 8 years Sonya Sandoval | Loan Officer Leif Eastvold, Feb. 2 Kim Nutt, 8 years Jonathan Perez | Business Bryan Hethke, Feb. 3 Ricky Montanez, 7 years Develpment Representative Nan Ridenour, Feb. 3 Dennis Porter, 7 years Carri Cameron | Loan Officer Brenda Harris, Feb. 5 Brian Rose, 4 years Liam Hasbrook, Feb. 5 Cristian Bernal, 3 years Tara Shupack, Feb. 6 Evve Land, 2 years Tim Cutler, Feb. 7 Damber Nepal, 2 years Lacey Lauber, Feb. 13 Felicia Gunn, 1 year Fadia Eramya-Sealy, Feb. 14 Siera Gomez, 1 year Linda DeMeo, Feb. 14 Steven Siler, Feb. 15 Christina Bush, Feb. 15 Cristian Bernal, Feb. 20 Kristi Fuller, Feb. 20 Suzi Boyle, Feb. 22 Kay LaRue, Feb. 25 Brittnee Talley, Feb. 25 Jodie Luke, Feb. 27

EIxnesicguhttivs e Team, to outperform our competition with great service to the producers. I can’t say enough about two things. The climb back starts now that everyone is First the hard work, effort, and attitude back at work. So, get fired up! Let’s get the you all showed during an extremely production engine running and feed out tough 2022. After an unbelievably locked pipeline. great performance by CCM during the Covid-19 pandemic and two very strong I hope all of you, your families, and friends production years in 2020 and 2021, the had a wonderful holiday season. industry took a 180 degree turn and we were faced with rising rates that we have I wish you all the best of health, happiness not seen in 22 years. It resulted in CCM’s and a very successful 2023 in the mortgage lowest production year in 6 years. We business. Now let’s get to work. made hard decisions and right sized the Company to make sure we could endure the economic environment and come out the other side fine. The second thing is 2022 is now over (Thank God). Well, 2023 is now here and I do expect things to slowly improve over the next two quarters and get back to 2018-2019 levels by 3rd and 4th quarters. But to make sure CCM keeps pace with the slow recovery we must out work our competitors. Sales needs to out-market, out-sell and out-network your competition. Operations needs

by the 2022 NUMBER$ 2022 came in like a lion and went out like a lamb. There’s no other way to put it…this was a very tough year and a year in which we experienced unprecedented challenges and obstacles. The good news is that we finished with a little momentum, and we start a new year with new goals and a new reality. In addition, we just completed our 2023 Strategic Planning Meeting with all Branch Managers where we discussed individual and company strategies on how we are going to navigate the uncertain terrain to have a successful 2023. All our production leaders returned to their respective markets motivated for the new year and armed with great information and ideas and the motivation to execute. In December we funded $37 million in production, which, although far less than we need to fund, was a 20% increase from November. Like the previous few months, the business was predominantly purchase money loans and we continued to see an increase in our government products. Our greatest challenge will come from our locked loan pipeline heading into January at its lowest levels in a very long time. We all know that the holidays and seasonality play a large part in this equation, so it is not surprising. Yet we also know that for us to have a successful 2023, we will need to see the spark in locked loan volume soon. January is historically the worst month in our industry, so the expectation is that we experience some growth by February and into the spring purchase season. As Rick Cardillo and Scott Gonzalez detailed to the Branch Managers during the strategic Planning Meetings, our financial position continues to be strong even through the past quarter of losses and we can confidently move forward knowing we have additional “bullets in the gun” if needed. However, they cautioned everyone to really understand that we must all work together with all efforts to ensure we pull thru the down period and into a period of normalized production. They emphasized that getting back to a $60 million monthly number would ensure we are not only breaking even but potentially profitable given how well we have managed our costs and expenses over the 4th quarter. Rick’s message to the Branch Managers once they all got back to their offices this week was simple yet important: “Again, thank you all for a great meeting…thank you for sharing your insight on the market and your game plans to build up momentum and volume in the coming months. Now it’s time to take all your words and insights and turn them into actions! I challenge each of you and your LOs that are on your team to execute. Let’s start with every producer getting one lock this week. Let’s build the pipeline starting now. I want those BMs with LOs that report to you to get one lock from each LO this week.”

HRMessage hire employees know what trainings are available and make them easily accessible. New Year, New Goals, We’ll show you a couple of pages here in the New Opportunities Newsletter, but check out the whole guide on CCM Connect (CCM Connect > Tools > CCM CCM Contact & Escalations Training > L & D Guide) The Contact info and escalations has been Loan Officer Training Resources updated on CCM Connect (CCM Connect > Tools > Corporate Communications > CCM Previous recordings of LO trainings can Contact & Escalations). Don’t hesitate to be accessed on Bridge (Bridge > Learning reach out (to any department, any time) if Library > Loan Product & Resources). Some of you need anything. the recent trainings include Brokered Loans, USDA Importance of Assets Training, and Employee Perks and Benefits Non-QM. As we start out the new year, we want to Each loan product that we offer has a quick remind you of some incredible Perks and one-page guide to help you quickly review Benefits that Castle & Cooke mortgage offers the benefits, qualifications, limitations, to YOU! Check out the next few pages to documentation needed, and links to learn more. Don’t forget, this info is on CCM additional learning. These can be found connect -- Benefit summaries and guides on CCM Connect (CCM Connect > Loan (Depts. > HR > Benefits) or Employee Perks Programs > One Page Product Guide). and Programs (Depts. > HR > Programs). Don’t forget, we’ll soon have training sessions on Renovation Lending, FHA 203k & Fannie Mae’s Homestyle programs, and a new training on manufactured housing. Watch for training updates in your email or on the Monthly Training calendar. (CCM Connect > Tools > CCM Training > Training Calendar). Request Additional Training If there is ever a time that you would like to request additional trainings, please submit a request via this link: (https://www. surveymonkey.com/r/CCM_Request_ Training). Important Dates 2023 Employee Guide 2023 Holiday Schedule and 2023 Pay Dates Do you ever wish there was a place that are updated on CCM Connect. (CCM you could reference all the things Castle Connect > Depts. > HR) & Cooke? Well now you can use the Employee Resource Guide as a one stop Learning and Development shop for learning about: Castle & Cooke Guide Mortgage, CCM Culture, and Learning & Development. Check out the Employee A new Learning and Development guide Guide on CCM Connect (Tools > Corporate was created to help current and new Communications > 2023 Employee Guide).

Employee Perks These Perks & Benefits are here for you! ANNUAL INCENTIVE PROGRAM CASTLE CARES You win when CCM wins! Castle Cares is our initative to do good and serve our communities. Eligible employees have the opportunity to earn an annual Company-wide, we have quarterly donation incentive bonus based on company drives to support great causes. performance. If CCM meets or exceeds field operating plan for the Teams receive dedicated time to year, then the incentive share will be build community & connection as you equally distributed to all eligible serve/complete a service project. employees in April the following year. Each employee receive four PAID hours for service each year. *See CCM Connect for more info & to check eligibility. EMPLOYEE LOANS EMPLOYEE REFERRAL PROGRAM Doing for you what we do best— mortgage loans. Know someone that would love working $$ at CCM as much as you do? Refer a loan Up to 100% of CCM admin fees are waived officer and you'll get $1000 on their first and pricing is either 50 bps day, plus an additional $1000 after they (with consumer direct) or have been here six months. 100 bps (with retail branches). What about non-originator positions? Spouses and immediate family are You'll get $500 on their first day and also eligible for discounts. an additional $500 after six months. *Check out this flyer for more info. *See CCM Connect for more information. HEALTH PROMOTION TUITION ASSISTANCE REIMBURSEMENT Education is valuable. However, education is We want you to be healthy and happy! typically expensive. Let CCM help you to further your education. After 90 days of employment, you may be eligible to submit for a Eligibility begins after 1 year of reimbursement of up to $400 a employment if you are part of Salaried year for exercise and other Benefit Program & work 40 hrs a week. health-related programs. Prior approval required. *Check out CCM Connect for *Learn more about it on CCM Connect. more info & to check eligibility. *If you have any questions, are seeking further clarification, or have an idea of an awesome perk—let HR know! [email protected] **Additional information can be found in the Benefits Summary on CCM Connect. Version as of December 2022

Employee Benefits These Perks & Benefits are here for you! HEALTH, VISION, DENTAL, LIFE FAMILY MEDICAL LEAVE INSURANCE, AD&D & LTD INSURANCES You and your family are important to us. After one year of employment and 1250 Our insurance plans are very competitive. Even better hours worked, you may eligible for up to than that, you are eligible for insurances 12 weeks of unpaid leave to care for a starting the first day of the month after newborn, newly adopted child, or you start. serious health condition. HR approval is required.** If you choose the HSA plan, CCM will contribute up to $1000 a year to your HSA. WELLNESS Did you know we offer Basic Life, As you are on your journey to being AD&D and LTD at no cost to you? your best self, know that you are not alone. CCM is here to support your PET INSURANCE wellness journey. Here are some free resources that Castle & Cooke Have a furry BFF that's a part of the family? Mortgage Offers**: CCM offers Pet Insurance! EMPLOYEE ASSISTANCE You can sign up at any time & it's generally effective only two weeks after our EAP (Employee Assistance Programs) provide you signing up. (Is not connected to open and your household members with FREE consultations, enrollment/medical benefits)**. training and support for financial, mental & relationship wellness. Call 877.343.5314 or visit online to sign up www.aspcapetinsurance.com/diversified BHS: Visit: bhsvip.bhsonline.com Username: BHSVIP (all uppercase)or call 800-327-2251. 401 K MATCH PROGRAM UNUM: Visit: unum.com/lifebalance or call 800-854-1446 We know you are smart and like to save for the future. REAL APPEAL If eligible, on your 31st day of employment at CCM you will be automatically enrolled If enrolled in the UHC benefit plan, this free digital platform at an annual pre-tax contibution rate of helps you lose weight and keep it off for good. Join at 4%. This is optional and you may opt success.realappeal.com! Access includes a personal out at any time. 401k is managed by transformation coach, unlimited access to digital content, Principal Financial Group. and a success kit (resources to help you kick-start your weight loss), & more! CCM also offers Employer Match Contributions. Learn more in your Benefits Summary. RALLY *If you have any questions, are seeking further clarification, or have Rally is a free app through your UHC benefit plan. After a an idea of an awesome perk—let HR know! quick health survey, Rally will send you personalized Email: [email protected] recommendations on how to move more, eat better & feel happier. Plus, there is a chance to win great rewards! **Additional information can be found in the Benefits Summary on Register at myuhc.com and start today! CCM Connect. SANVELLO Version as of December 2022 Feel stressed? Experience anxiety or depression? As part of the UHC benefit plan, Sanvello app is available to you and your covered dependents and offers clinical techniques to help when symptoms come up. Upgrade to premium on the app for FREE with your insurance plan, so that you can get ALL the support, tools, and trackers to help you feel more in control and build long-term life skills. More info @ Sanvello.com.

Learning & Development What to expect CURRENT EMPLOYEES Required Trainings Compliance adds Required Trainings each month to your Bridge Training Portal. Please complete the assigned reqired trainings within 30 days. Monthly Training Calendar A Calendar of Trainings is sent out each month that includes that months CCM Facilitated Trainings, LIVE webinar trainings by topic that are offered by our MI partners, and any spotlighted training that we think you should be aware of. Check out the calendar on CCM Connect. (Tools > CCM Training > Training Calendar) Additional Opportunities for Learning and Support We have many additional opportunities for learning that we'll show you in the next few pages. If you need additional support, please reach out at any time to our training team via email. [email protected] or by connecting with our Training Manager - Dan Taylor, [email protected]. Request Additional Training After all else, if you have additional needs of training that have not been met, we'd love your ideas and your feedback. Please submit your request for additional training that you would like using this link or scanning the QR code.

Learning & Development Opportunities for Learning CCM CONNECT https://ccmconnect.castlecookemortgage.com CCM Connect is our company intranet. Can only be accessed while on the CCM network. Includes (but not limited to): CCM employee roster & contact info Rankings & Employee Recognition Rates & resources on CCM loan programs Resources & policies per department Current Months' Live Training Calendar Company Communications such as: Connections Newsletter The Tower (OPS updates) CCM Contact & Escalations BRIDGE https://ccm.bridgeapp.com/learner/courses Bridge is CCM's learning library & training calendar. Includes (but not limited to): Required compliance trainings Videos, tools & resources of IT support System & loan type trainings MARKETING TRAINING LIBRARY https://www.castlecookemortgage.com/success Training library for Marketing systems. Includes trainings & resources for: The Forge basics, media library, contacts, deployment center, flyers CCM Mobile Social Media Management Mobility RE & MMI

Learning & Development Opportunities for Learning MI PARTNERS TRAINING LIBRARIES Our 6 Mortgage Insurance (MI) partners offer HUNDREDS of free courses. There is a variety of podcasts, live webinars, & on-demand trainings available. Includes (but not limited to): Basics of mortgage concepts Advanced business building ideas Processing & Underwriting Personal Development Checklists & calculators R A D I A N www.radian.com/news-and-knowledge/training MGIC www.mgic.com/training E N A C T www.enactmi.com/training-resources NATIONAL www.nationalmi.com/miu/ ESSENT www.essent.us/training A R C H https://mortgage.archgroup.com/us/training/training-resources/ THE TOWER BHS PORTAL https://ccmconnect.castlecookemortgage.com/default/inde www.portal.BHSonline.com x.cfm/tools/corporate-communication/the-tower/ BHS is CCM's EAP (Employee Assistance The Tower is CCM's operations updates at a Program). Not only does the EAP provide free, glance. The tower is emailed out when and confidential, & in -the-moment support for uploaded to CCM Connect. personal or professional problems, but their free portal also has hundreds of resources, CCM Connect >Tools > Corporate Communications> The Tower trainings, tips & blogs that you can use. Updates may include: Guidelines, Fees, ID: CCM Apprasials, Calendars, Loan Limits & more! Includes (but not limited to): Professional Development Emotional Well- Being Communication & Relationships Sales Skills Financial Recipes & Health

EMPLOYEE RECOGNITION Peak Performers To be nominated as a Peak Performer, you must have been with Castle & Cooke Mortgage for at least one year. Each month, we recognize two Peak Performers during Coffee with Cardillo: one voted on by branches and one voted on by corporate. If you’re chosen, you’ll also get a $250 bonus and be entered into a drawing to attend the annual Summit Club awards trip! Did you know Castle & Cooke Mortgage is one of few mortgage companies that invites non-originators to the annual awards trip? What is it? Our Peak Performer recognition program is your chance to show fellow coporate employees how much you appreciate their hard work. It’s a great way to embrace our company culture. The January Peak Performer Winners will be announced during the February Coffee with Cardillo call. VOTE HERE! PEAK PERFORMER

Q4 HOME Value Recognition Winners Vickie Harris | Closing Loren Lavender | Compliance/Licensing Lacey Lauber | Funding Sara Sattelberg | Funding (nominated by Marketing) Nena Montague | HR Rita Quintana | HR Brittnee Talley | Marketing Kaylee Haro | Marketing Melissa Fairbourn | Marketing Tim Cutler | Marketing Missy Atencio | Post Closing Sharley Danis | Production Support Luz Encarcion | Servicing Steven Spain | Underwriting

Employee Recognition SUMMIT CLUB The Castle & Cooke Mortgage Summit club recognizes top performing employees on an annual Summit Club trip. Loan officers, branch managers and processors qualify to attend. In addition, two randomly chosen Peak Performers AND one individual is invited as the President's Pick, regardless of job title or length of service. Trip location changes location each year. Learn more about Summit Club on CCM Connect. 2023 Summit Club Eligiblity Requirements MANAGER & PROCESSOR LOAN OFFICER BY INVITATION Retail Branch Manager Retail Loan Officer: Summit Peak Performer Club Status, No Trip Receive Trip, Trophy, & Gift Bag Receive Trip, Trophy & Gift Bag Receive Trophy, & Gift Bag Be one of the top two branch Two Peak Performers are managers in volume OR the top Hit $20M or 60 units recognized monthly. At the end branch manager in percentage of the year, TWO of the 24 over plan Retail Loan Officer: Earn Trip honorees will be chosen randomly and invited to Processor Receive Trip, Trophy, & Gift Bag attend. Receive Trip, Trophy, & Gift Bag Hit $24M or 80 units AND be President's Pick in the top 20% of all retail Process at least 180 files AND be Loan Officers Receive Trip, Trophy, & Gift Bag one of the top three processors based on Net Units (Units x 1- Consumer Direct Loan Managers nominate touch % = Net Units) Officers: Earn Trip individuals who have gone above & beyond & have made Receive Trip, Trophy, & Gift Bag a real impact to CCM (regardless of job title or length Hit $20 million or 60 units of service). Only ONE AND be in the top 10% of all nominated employee will Consumer Direct loan receive the honor as the officers President's Pick.

Employee Recognition PEAK PERFORMER Employees can nominate eligible PEAK PERFORMERS RECEIVE: individuals (corporate staff with one year of employment) to receive recognition as Recognition in the Coffee with Peak Performer of the month. Cardillo call each month $250 bonus Two employees receive recognition as Peak Entered into the yearly drawing for Summit Club Annual Trip Performer each month (1 via Branch vote VOTE FOR and 1 via Corporate vote). PEAK PERFORMER Nomination comments are given to all nominees on a monthly basis. Learn more about Peak Perfomer on CCM Connect. EMBODY VALUES SEND A KUDOS Each quarter Managers, VPs, and SVPs What if someone has done a great can award someone on their team who job and you want to pass along Embodied the Value of the Quarter. some recognition? VALUE OF THE QUARTER SEND A KUDOS! Provide a thank you, shoutout, or Q1: Have Trust recognition to anyone, anytime. Q2: Openly Communicate Q3: Motivate Everyone Print a Kudos yourself to fill out OR Q4: Explore Possibilities submit one below and we'll send the Kudos for you! AWARDS: Lunch with manager or door dash SEND A KUDOS Afternoon off (Paid) Treat Recognition in the Quarterly Connections Newsletter

home We create a fun, inclusive environment that fosters Monthly Bingo connection by building the walls of HOME. Monthly Virtual BINGO is continuing! Yay! It’s the 2nd H Have Trust—we stand confident in our integrity and Friday of each month at 12 pm Mountain time. We have a fun theme, prizes (of course!), and it’s hosted embrace feedback. by someone different each month. Come join the fun! O Openly Communicate—We speak with clarity, listen Employee Appreciation Week attentively, and act promptly. Employee Appreciation Week is February 27-March 3rd More information will be coming via email (and M Motivate Everyone—We inspire by providing will be uploaded to the calendar) about how we are celebrating this year. flexibility, resources, and recognition. We succeed CCM Castle Cares Q1 Service Donation when YOU succeed. Drive E Explore Possibilities—We grow and innovate by In connection with our company wide Castle Cares area of focus, we will have a quarterly donation drive. taking action and taking chances. Q1 we are supporting Food banks. Donation event week is February 6-10. It doesn’t matter your location As we continue to work together to build a Culture of or if you are remote – support the hungry and donate Connection – we’ll use this space to share upcoming non-perishable food to your local food bank. happenings that foster Connection, articles that teach and demonstrate how to embody our values Any post-service thoughts, photos, or videos can be and celebrate each other as we do so. sent to [email protected] to be included in the Connections newsletter. Upcoming Happenings that Foster Connection: We’ve added a calendar of events that foster connection on CCM Connect. Check it out here!(CCM Connect > Departments > CCM Culture > 2023 Happenings that Foster Connection). Within the calendar you’ll find links to join and flyers that you can share with your teams! A few upcoming happenings: Motivation Monday Starting January 9th, we are sharing tidbits of motivation with each other for Motivation Monday. We’d love to include YOUR motivation. Have a quote/ story/life lesson that helps you feel motivated? Email it (story, quote, video, photo, explanation, etc) to [email protected] and we’ll get YOUR motivation in the line up of this years

Castle Cares 2023 Castle Cares Updates Castle Cares is Castle & Cooke Mortgage's initiative to give back to our communities. It's more than that though–it's that through service we can grow in gratitude, appreciation and friendship. Service often fosters relationships, both with our communities as well as our teams. Company-wide Team Service Project Areas of Service Each team or department is assigned a quarter during 2023 to complete a service-oriented project During each quarter of or activity as a team. It can align with the Castle 2023, we'll focus on giving Cares area of focus but is not required to. The project back via service projects & should not be part of a marketing initiative nor a donation drives to support request of donations from CCM employees. areas of need. Employees receive up to four paid hours for the Dedicated donation event project. This is time dedicated for your team to build weeks will happen quarterly community & connection as you serve together. as an opportunity for employees to donate Each team gets the opportunity to be showcased in toward the area of focus. the Castle Cares section of the Connections newsletter.

Castle Cares 2023 Team Project Calendar Each team or department will complete a service-oriented project or activity as a team. Teams have the chance to complete their project anytime during the assigned quarter. *The team project can align with the Castle Cares area of focus but is NOT required to. Q1: JANUARY - MARCH Q2: APRIL - JUNE *Area of Focus: Food Banks Bakersfield, CA *Area of Focus*: Humane Societies Boise, ID Corporate: Accounting/Finance Consumer Direct Corporate: CFPC Corporate: Marketing Corporate: Human Resources Dallas Fort Worth, TX Corporate: Quality Control La Quinta, CA Corporate: Secondary Las Cruces, NM Denver, CO Lehi, UT Murray, UT Peoria, AZ Nashville, TN South Henderson, NV South Ogden, UT Summerlin, NV Q3: JULY - SEPTEMBER Q4: OCTOBER - DECEMBER *Area of Focus: Schools *Area of Focus: Shelters Corporate: Compliance/ Austin, TX Licensing Blair, NE Corporate: Production Support Clarinda, IA Corporate: Servicing Corporate: IT Corporate: Underwriting Corporate: Mortgage Operations Draper, UT El Paso, TX Las Vegas, NV Meridian, ID Oahu, HI Scottsbluff, NE Oakboro, NC Scottsdale, AZ Stuart, FL

DFROIOVDECASTLE CARES Q1 LET'S FEED THE HUNGRY FEBRUARY 6-10 HOW TO DONATE: At corporate or your branch location Directly to your local food bank Online at Feeding America ($1 = 10 Meals) WHAT'S NEEDED: Dry and canned food (nonperishable) such as: Peanut Butter Canned Soup Pasta Beans Rice Canned Fruit/ Veggies CASTLE CARES AREA OF SERVICE During each quarter of 2023 we are coming together to support an area of need in our communities. From January to March we are helping to feed the hungry and offering support to local food banks. No matter your location, we invite you to participate by giving time by volunteering at a local food bank or food pantry, participating in the donation drive, or donating funds provide a meal to those who are hungry.

Employee highlight Jill Barton Servicing Oversight Coordinator I have been with Castle and Cooke for almost and just celebrated our 20-year anniversary in 2 years (in April) working in the Servicing Honolulu. He still makes me laugh (and roll my Department as the Oversight Coordinator. I work eyes) every single day. We have 3 children. Our as a liaison between CCM and our subservicer, son is 18, our eldest daughter is 16 and our “baby” LoanCare. I generate lots and lots of reports. My is 13. favorite thing about working here is the amazing management and staff. Everyone is so friendly, We love to camp and go at least once a month helpful, and positive. between February and October. We love to fish and ride bikes, disconnect from electronics, and I was born and raised in a tiny town in Oregon breathe in all the fresh air. Some of our favorite called Gaston, population 660 (I think it has over places to go are Arches National Park, Redwood 1200 now). I am the second of 4 girls and always National Park, and Yellowstone. We hope to wished I’d had a brother. My family moved someday be able to travel and visit all 423 to Sandy, Utah, when I started high school. I National Parks in the United States. graduated from Hillcrest High and immediately Some of my hobbies include digital entered the mortgage world as a receptionist for scrapbooking, reading mystery or romance Republic Mortgage. I have been in the mortgage novels, watching true crime TV, playing board industry, mostly the servicing side, ever since. I games or budgeting/couponing (finance geek!). attended the University of Utah while working full time and received my bachelor’s degree in Alyssa Bunch, Jill’s manager, included a few Finance 2003. comments about Jill, she said “Jill is wonderful to work with! She is consistent, dependable, and My husband and I met at a singles BBQ. We attentive to detail. I am so glad Jill is on our team dated a mere 6 months before we married and I’m grateful for everything that she does!” Fascinating Fact: I love movie quotes. My whole family loves to throw out movie quotes (almost daily) and try to guess which movie it’s from. Some of our favorite, most quotable movies are Napoleon Dynamite, Wedding Singer and Nacho Libre. One movie quote I would use to describe myself is from Sweet Home Alabama “You can have roots and wings.”

Employee highlight Channing Craig LoanOfficer Hi everyone, my name is Channing, I have Most of my time is spent working on our house been with Castle & Cooke just over a year. I am to prepare for the baby since we decided to stationed in the Clarinda Branch and work with buy a fixer upper (cue the countless hours of Dave Sunderman or as he likes to call himself work) or joining a sports league. I rotate between “an old farm boy”. I plan to take over as Branch a bowling, Sand Volleyball, and Golf League Manager when Dave retires but he doesn’t have throughout the year, so I am always running any hobbies, so I don’t think he’s going anywhere around. I am a sucker for getting talked into for a while. joining clubs that have to do with being active or being outside. (It also doesn’t help that my Wife Currently my family includes my wife and our and I are competitive and like giving each other two dogs. One is a Labradoodle and the other a hard time if the other person wins.) is a Husky/Saint Bernard mix, but my wife is pregnant with our baby boy so we are about to have a whole lot of excitement coming this May. Its going to be a rude awakening for my sleep schedule and our spoiled dogs but I couldn’t be more excited. Fascinating Fact: I originally wanted to be a pilot, so I have taken flying lessons and have flown a couple of different small planes. I never completed it though but still want too someday.

Blai Team Highlight The Blair, NE Branch of Castle & Cooke Mortgage opened in 2009. We are a small team of 4 in a small community with a population of about 8,000. We are located about 15 miles north of Omaha. We take pride in being the lender of choice in our community by providing excellent service to our clients, realtors, and various business partners.

Bryce Magill, Regional Manager Bryce has been at Castle & Cooke Mortgage for 13 years and has been in the mortgage industry for 17 years. Bryce & his wife, Blair have 3 daughters Cassidy (12), Carsyn (12) and Cailyn (9). They stay busy with their kids involved in sports and 4-H. They also are big fans of the Nebraska Cornhuskers. Dan Magill, Loan Officer Dan has been at Castle & Cooke Mortgage for 13 years and has been in the mortgage industry for 20+ years. Dan and his wife, Kathy enjoy traveling to see their kids and grandkids that live out of state. They spend a lot of time following the grandkids to all their activities. They also are big fans of the Nebraska Cornhuskers. John White, Loan Processor John has been at Castle & Cooke Mortgage for 13 years. I’ve been in the mortgage industry since 1995 so I’ve worn many hats and seen many changes! I’ve worked Collection, Foreclosure and REO departments, I’ve led a Loss Mitigation team and I’ve also been Escrow Administration Manager for a bank with a portfolio of 250k loans. I’ve also been an Account Manager for a Tax Service vendor, as well as an Originator, Ops Manager, and a Processor. My wife, Christina and I have been married for 28 years and we have two children. Holly, age 25, is a PhD candidate at the University of Maine, and Jack, age 23, is a Civil Engineer with a regional Engineering Firm. I enjoy travelling with my wife, and sometimes with the kids when they can squeeze us in! I like trying new restaurants, visiting breweries (and buying brewery t-shirts), brewing beer, cooking/grilling, and of course the Huskers. Brooke Ahrens, Loan Officer Assistant Brooke has been at Castle & Cooke Mortgage for 8 years. She previously worked in the office at a 10,000 head Cattle Feed Yard. Brooke and her husband, Brent have 3 kids, Brennan (16), Brylee (13), and Brody (10). They stay very busy with their kids being involved in sports and showing livestock. I am also related to both Dan (dad) and Bryce (brother).

In Loving Memory Thomas Martin

In Loving Memory. maintaining diagrams to determine the ideal roast. Midvale, UT-Thomas succumbed on January 5, 2023, after complications Thomas was one of the smartest people with diabetes, he is now at peace. He around, he thirsted for knowledge, and was born November 13, 1972, in Ogden, disciplined himself to self-educate on Utah to parents Tom & Rosa Martin. new skills, with a computer book by his He was a graduate of St. Joseph High side learning a new language or type School in Ogden, UT. Thomas received of code. In college, he was frequently his bachelor’s degree in Electrical smarter than his professors, even Engineering from ITT in 2002 in SLC, UT. He teaching his own physics class and worked as a Quality Engineer for many tutoring his classmates. One year for years until he made a midlife career Christmas instead of wanting a new change to pursue his dream of being a gaming station he wanted textbooks in Software Programmer which he fulfilled Calculus and Physics, to read for the fun by working for Castle Cooke Mortgage in of it. With both careers as an engineer Draper, UT. and programmer, he started working as an entry level position, and as he Thomas was a private man but enjoyed learned and was able to demonstrate life, and had many passions. Lifelong his knowledge, he quickly advanced his lover of basketball that started when he career. He was honest, genuine, and played for his high school team, to being generous, and was always there for you. a diehard Jazz fan. He enjoyed sports, If you ever needed to vent, debate a topic especially Utah football. Music was on history or who the GOAT was, he was a important to him with a wide ranging willing opponent. taste, his favorite artists were Jimi Hendrix, Public Enemy and the Beatles. He is survived by his wife Sarah Martin of One of his most cherished experiences Salt Lake City, UT, and sisters Gretchen was seeing Beethoven’s Ninth Symphony Trimble; Yvette Smith and husband performed live. Trying new foods and Dwayne; Shellie Jones and husband Allen, pairing with wine he loved to do, he was all residing in Atlanta, GA, a host of nieces also an excellent cook and baker. One and nephews, and aunts and uncles. of his best dishes he would make for his wife was Cioppino but attempted Thomas is preceded in death by his to master many others. History was a parents Tom Martin and Rosa LeBlanc great passion, specifically the Civil War Martin; sister Tischa Martin; brother-in- and one of his favorite places that he law Steven Trimble. visited was Gettysburg. While living in New England, he enjoyed taking rides to Thomas also has many friends scattered Maine and Vermont to see old historical across the United States who loved him sites and find a restaurant for a good dearly and his cat Scarlett, or more meal. He enjoyed going out for Sunday affectionately called “pretty kitty”. breakfast, one of his favorite breakfast places was Charlie’s Diner in Merrimack, No services are planned per Thomas’ NH. Not known for being spontaneous, request, and in lieu of flowers please send one Sunday morning after breakfast he donations to local humane society. drove on a surprise ride to Springfield, MA so he and his wife could visit the Basketball Hall of Fame. Many other things he enjoyed that filled his soul, including computers, writing code, and coffee. He had researched, tracked every coffee roast on an Excel spreadsheet,