Currently, were the #1 online lenders and the #5 retail mortgage lender in America.

Its
why the Better Business Bureau gives us an A+ and 94% of our clients would recommend
us to family and friends.

Our Clients
People have shaped the company weve become. When we find a moment to celebrate our
success, we know we owe it all to you.
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9 out of 10 of our loyal clients would recommend us to friends and family the biggest
compliment we could ever receive.
Need more proof? Read real Quicken Loans reviews by the people who know us best
our clients. Or if youre looking for 3rd party validation, check out Quicken Loans
Epinions.
We sent some clients video cameras and asked them to tell us what they thought of their
mortgage experience with us watch the unscripted videos on Quicken Loans YouTube
channel.

Our Experience
We know how important it is for you to know were a stable, reliable company especially in
todays markets.
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Weve got 26 years under our belts providing world-class client service as a direct lender.
We make it happen we funded over $29 billion in loans in 2010.
Our mortgage expertise has earned us Quicken Loans Yahoo! Answers Knowledge
Partner status.
The BBB gives us an A+ for customer service.
According to National Mortgage News, were Americas largest online lender. Weve
financed over a million loans and were still growing by leaps and bounds.

Our Values
Weve taken the principles weve built our business on and put them on paper we call them
ISMs.
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Read our complete list of ISMs its what allows us to give you the best experience
possible. Its really a guide to life at Quicken Loans.
Visit our Community DIFF blog to find out what were doing to make things a bit better
for the world.
Above all else, we value you and weve got over a million clients who know it.

Our Promise
With every client, every time, we deliver on the promise to make this your best mortgage
experience ever.
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Were your Lender for Life. Even after you close, well continue to find ways to improve
your finances and reward you.

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We will return your calls by the end of the day. Your happiness is our #1 priority.
Something not right? Tell us and well do whatever we can to fix it.

Our People
From our mortgage bankers to our processors to our interns our 4,000 team members make it
their mission to give you the mortgage experience you deserve.
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Weve been ranked in the Top 30 of FORTUNE Magazines Best Places to Work in
America for eight years running! Were especially proud to be the only mortgage
company on the list for 2010.
Need to get inside Quicken Loans? Read our team member blog Whats The DIFF?
Were real people and you can find us just about anywhere feel free to follow us on
Quicken Loans Twitter or be our friend on Quicken Loans Facebook.
Ready to be part of the team? Well, quit wasting time find out more about careers at
Quicken Loans here.

Quicken Loans Fast Facts

Who:
Quicken Loans Inc., which includes affiliate Title Source Inc.; In-House Realty, LLC; Quizzle, LLC; and
One Reverse Mortgage, LLC
What:
Quicken Loans is a consumer-focused, 50-state, 3,100 county, direct-to-consumer online home lender
providing conventional, FHA and VA residential mortgage loans, as well as settlement and other real
estate services.
Leadership:
Daniel Gilbert, Founder & Chairman; Bill Emerson, CEO; Jay Farner, President
Website:
The QuickenLoans.com website offers:

Direct access to mortgage experts. Seasoned lending professionals who answer questions via
email, fax and phone from application to close.
Instant real-time loan comparison. Provides apples-to-apples comparisons of mortgages and
thousands of financing options.

Personalized answers to financing questions. State-of-the art interactive tools answer questions
ranging from home affordability to credit health.
Comprehensive home-financing education. Provides information regarding purchasing and
refinancing of your home, along with the loan that best fits your needs.
Real-time loan status information. Allows consumers to find out immediately where their
application stands on a real-time basis at any point in the mortgage process.

Volume:
Quicken Loans closed more than $29 billion in home loan volume in 2010, and closed its one millionth
loan in 2010.
Employees:
Nearly 4,000 based in Southeast Michigan; Cleveland, Ohio; Scottsdale, Arizona.; and San Diego,
California.
Why:
The online mortgage process offered by Quicken Loans saves time and money by:

Allowing clients to apply for and check the status of their loans from the convenience of their
own home or office, 24 hours a day / 7 days a week.
Eliminating paperwork, middleman steps associated with the traditional process.
Using online pre-qualification to accelerate application process.
Offering low rates, reduced fees, instant comparisons and real-time quotes.
Providing immediate answers through personal consultation with a mortgage banker and
interactive tools.
Consolidating debts with a refinancing.

Awards and Accolades

Quicken Loans was named a J.D. Power and Associates 2011 Customer Service Champion one
of only 40 companies named in the U.S.

Quicken Loans was named in 2011 Training Top 125 by Training Magazine for excellence in
training and development.

J.D. Power and Associates named Quicken Loans the Highest in Customer Satisfaction for Primary
Mortgage Origination in 2010

Quicken Loans Inc. has ranked in the top-30 of FORTUNE Magazines 100 Best Companies to
Work For the past eight years, ranking No. 2 in 2008

Quicken Loans Inc. has ranked as one of Computerworld Magazines 100 Best Places to Work
in Technology the past six years, ranking No. 1 in 2005, 2006 and 2007

Quicken Loans was named Michigans Top Workplace for 2010 by the Detroit Free Press

Quicken Loans Inc. honored as one of 60 Cool Places to Work in Michigan in a first-of-itskind competition jointly held by Crains Detroit Business and the Grand Rapids Business Journal.

Quicken Loans Inc. is the nations largest online retail lender

The Association of Fundraising Professionals Detroit Chapter named awarded Quicken Loans
with the National Philanthropy Day Outstanding Corporation Award

QuickenLoans.com named a Best of the Web mortgage lending site by Forbes, Money and PC
magazines

CEO Bill Emerson received the Executive Leadership award from the Employee Involvement
Association in 2004

Dan Gilbert inducted into the Southeastern Michigan Junior Achievement Hall of Fame for
business leadership in May 2003

Quicken Loans/Rock Financial voted The Best and Brightest Company to Work for in MetroDetroit in 2002, 2005 and 2007 by the Michigan Business and Professional Association for its
innovative, family-friendly human resources practices.

Quicken Loans/Rock Financial voted Best Compensation and Benefits in Metro-Detroit in 2006
by the Michigan Business and Professional Association

The Quicken Loans Internship Program awarded the 2007 Employer of the Year award from the
Michigan Council for Internships and Cooperative Education.

Quicken Loans named one of FORTUNE Magazines 100 Best Companies to Work For in 2001
and 2002 (while still part of Intuit).

Dan Gilbert received the prestigious Newsmaker of the Year honor from Crains Detroit Business
in 2006

Dan Gilbert received highly coveted Entrepreneur of the Year award from Ernst and Young in
1999

Quicken Loans History

Quicken Loans Inc., previously Rock Financial Corp., was founded in 1985 by Dan Gilbert.
In October 1997, Rock Financial became affiliated with title insurance company, Title Source Inc., to help
support its residential lending business
In May 1998, Gilbert took Rock Financial public, launching a successful IPO underwritten by Bear Stearns,
Inc. and Prudential Securities.
Initially a branch-based lender, the company launched Rockloans.com in January 1999, which quickly
positioned the company as one of the fastest growing online direct mortgage lenders on the Internet.

In December 1999, Intuit Inc. (makers of market-leading software Quicken, TurboTax and QuickBooks)
purchased Rock Financial. The company was renamed Quicken Loans.
In August 2002, Gilbert led a small group of private investors in purchasing the Quicken Loans Inc.
subsidiary back from Intuit; Quicken Loans has been privately held since. The company retained all
Quicken Loans branding and marketing initiatives.
Today, Quicken Loans employs approximately 4,000 people and closes loans in all 50 states and 3,100
counties throughout the United States. The company closed $29 billion in home loans in 2010.
In August 2010, Quicken Loans moved its headquarters and 1,700 full-time team members to downtown
Detroit.
Dan Gilbert coined the name WEBward Avenue in reference to a stretch of Woodward Avenue that he
plans to help develop into a world-class technology district.
Quicken Loans is the nations largest online retail mortgage lender, is ranked the fifth largest retail
mortgage lender by National Mortgage News (the trade publication that maintains industry data), and is
the third largest FHA lender overall.
In 2010, J.D. Power and Associates named Quicken Loans Highest in Customer Satisfaction for Primary
Mortgage Origination.
Quicken Loans has ranked in the top-30 of FORTUNE Magazines 100 Best Companies to Work For
the past seven years (ranking as high as No. 2), and has been one of Computerworld Magazines 100
Best Places to Work in Technology the past six years, ranking No. 1 in 2005, 2006 and 2007. In
2010, The Detroit Free Press named Quicken Loans the Top Workplace in Michigan.
QuickenLoans.com has earned Best of the Web accolades from Forbes, Money and PC
magazines.

Quicken Loans Leadership Profiles

Dan Gilbert Chairman and Founder, Quicken Loans Inc.
Majority Owner, Cleveland Cavaliers

Dan Gilbert is Founder and Chairman of Quicken Loans Inc., the nations largest online lender and a topfive retail home lender in the United States.

Dan is also majority owner of the NBAs Cleveland Cavaliers and the American Hockey Leagues Lake Erie
Monsters, as well as the operator of the Quicken Loans Arena (The Q) in Cleveland, Ohio.
Quicken Loans closed a company-record $29 billion of home loan volume in 2010. The company, which
employs over 4,000 people nationally, recently was named highest in customer satisfaction among all
home loan lenders in the United States in a benchmark study by J.D. Power and Associates. Quicken
Loans ranked in the Top-30 of FORTUNE Magazines 100 Best Companies to Work For the past eight
consecutive years, ranking as high as #2. The company also has been recognized as one of
Computerworld Magazines 100 Best Places to Work in Technology the past six consecutive years,
ranking #1 three of those years.
Quicken Loans moved its headquarters and 1,700 of its team members to downtown Detroit in 2010,
where Dan and the company are helping lead a revitalization of Detroits urban core. The company plans
to move another 2,000 team members from the suburbs to the city over the next 12 months.
Dan founded Rock Financial in 1985. The company grew into one of the largest independent mortgage
lenders in the country and in the late 1990s, launched its Internet strategy and quickly positioned itself as
the fastest growing direct mortgage lender on the Internet.
In 2000, software maker Intuit purchased Rock Financial and the company was renamed Quicken
Loans. Dan stayed on as CEO, leading Quicken Loans journey as it became the largest online home
lender. QuickenLoans.com has gone on to earn Best of the Web accolades from Forbes, Money and PC
Magazine.
In 2002, Dan led a group and purchased Quicken Loans and its affiliated national title company, Title
Source, Inc., back from Intuit.
Dan became majority owner of the Cleveland Cavaliers in 2005 and undertook a complete overhaul of the
entire organization, installing a new philosophy and winning strategy. Shortly after, the Cavaliers won the
2007 Eastern Conference Championship, advancing to the NBA Finals for the first time in the teams 37year history. The team finished the 2008-2009 regular season with a franchise record and NBA-best 66
wins and followed that in 2009-2010 with another NBA-best 61-win regular season. The Cavaliers are
currently the only team in the NBA to advance past the first round of the playoffs in each of the past five
seasons.
Dan is a founding partner in private equity group Rockbridge Growth Equity LLC (RBE). The partnership
invests in growing businesses in the financial services, Internet technology, consumer-direct marketing,
and the sports and entertainment industries. RBE has significant investments in:

Northcentral University, a premier online educational institution;

Protect America, a leading home security company;
Ready Financial, a provider of affordable banking products;
One on One Marketing; a premier educational institution sales lead provider;
Connect America, a direct-to-consumer provider of personal emergency response systems, and
One Reverse Mortgage, a retail national home lender, specializing in reverse mortgages.

In addition, Dan is a principal of Detroit Venture Partners (DVP), a new Detroit-focused venture capital
firm that funds start-up and early-stage technology companies in Detroit.
Dan is also invested and is involved in the operation of several consumer-based, technology-centered
businesses, including:

Fathead, the leader in sports and entertainment graphics;

Veritix, a provider of paperless ticketing;
Xenith, a developer of helmet technology that reduces brain injuries;
ePrize, the leader in the interactive promotions industry;
StyleCaster, a community for all things fashion, beauty and music; and
Quizzle.com, a free on-line personal finance tool.

Dan and a group of partners successfully backed a state-wide referendum to bring first-class casino
gaming to Ohios four largest cities in November 2009. Through a joint venture with Caesars
Entertainment, the groups are developing and will operate unique urban based casinos in both Cleveland
and Cincinnati. The large-scale developments will include street level accessible restaurants and retail to
engage, promote and encourage gaming patrons and others to visit and support existing cultural,
nightlife and sports attractions in the downtown areas where they are located.
Dan launched Bizdom U in Detroit in 2007. The non-profit entrepreneurial academy trains, mentors and
finances business builders in their start-up enterprises in the city of Detroit. Bizdom Us mission is to
create successful businesses, jobs, growth and wealth in large urban centers. Recently, Bizdom U
announced its second location, which will open in downtown Cleveland later this year.
Dan serves on the boards of the Cleveland Clinic, the Washington D.C.-based Childrens National Medical
Center (CNMC), and the Childrens Tumor Foundation (CTF.org). Dan also serves as Vice Chairman of the
non-profit, M-1 RAIL initiative, formed to lead the vision and implementation of light-rail transportation in
downtown Detroit.
Dan earned his bachelors degree from Michigan State University and his law degree from Wayne State
University. He has received the Entrepreneur of the Year award from Ernst & Young and has been
inducted into the Junior Achievement Hall of Fame.
William Emerson - Chief Executive Officer

Bill Emerson is chief executive officer of Quicken Loans Inc., the nations largest online home lender. Bill
is responsible for the day-to-day leadership and growth of Quicken Loans.
Bill joined the company in 1993 as a mortgage banker. His passion and commitment for learning and
growing, and his zeal for taking care of clients, helped him take on many roles at the company. He
pioneered Dan Gilberts Mortgage-In-A-Box concept, a way of doing business over the phone, which led
to the centralized business model that Quicken Loans utilizes today.
Bills leadership ability afforded him the opportunity to run several business units at Quicken Loans
including the early stages of the companys web center and a joint venture with Michigan National bank.

Bill also led all mortgage operations for the company, where he was responsible for driving performance
within all Quicken Loans businesses, including Rock Financial, the companys southeast Michigan brand.
In February of 2002, Emerson was promoted to CEO.
Quicken Loans Inc., which consists of Quicken Loans, Rock Financial, One Reverse Mortgage and Title
Source, employs nearly 4,000 team members and closed a record $29 billion in home loan volume in
2010. The company has ranked in the top-30 of FORTUNE Magazines 100 Best Companies to Work For
the past eight years (ranking as high as No. 2). The company also has been ranked as one of
Computerworld Magazines 100 Best Places to Work in Technology the past six years, ranking No. 1 in
2005, 2006 and 2007.
Bill is also active in the community. In 2010, and for the second consecutive year, he served as the
corporate chair for the Walk to Defeat ALS. His leadership helped raise more than $500,000 for the ALS
Association. His efforts were honored by the organization, who bestowed him with their highest honor:
The Iron Horse Award.
Bill is an active spokesperson on the housing industry, and serves on the Mortgage Bankers Association
Residential Board of Governors and the Housing Policy Executive Council. He also is a member of the
board of directors of Xenith, Inc., a football helmet company dedicated to advancing safety and activity
through innovation and education, and is a minority owner of the Cleveland Cavaliers.
Bill earned a bachelors degree in business from Penn State, where he was a member of the universitys
1982 National Championship football team.
Bill and his wife reside in Southeast Michigan with their two children.
Robert Walters - Chief Economist and Divisional Vice President

Bob Walters is Chief Economist and Vice President of the Capital Markets Group for Quicken Loans Inc. In
this position, he develops new products and ensures all products meet investors standards for quality.
Walters joined Quicken Loans, then Rock Financial, in 1996 after holding positions at both NBD Bank
(now owned by JPMorgan Chase & Co.) and DMR Financial Services.
Bob often is quoted on mortgage and personal finance issues by media including CNN, Wall Street
Journal, New York Times, USA Today, Reuters, Dow Jones, Bloomberg, MarketWatch, and many others.
Walters earned his MBA from the University of Michigan and his undergraduate degree in finance from
Oakland University.