Led by founding partners James Brody, Ron Gapp, and Ashley Jumpp, Brody | Gapp LLP combines deep operational experience, industry insight, and agile client service to provide scalable, results-driven counsel across compliance, litigation, and regulatory affairs. With over 50 years of combined experience, the firm is uniquely positioned to serve as the “first call” for institutions navigating risk, regulation, and rapid change. Confidence in Litigation. Clarity in Compliance. As regulatory demands grow more complex, mortgage and financial institutions without integrated legal, compliance, and litigation support risk falling behind—exposing themselves to unnecessary risk, inefficiencies, and potential disputes. Our team delivers proactive legal counsel and scalable solutions across both compliance and litigation, helping IMBs, credit unions, depositories, and fintechs build resilient governance frameworks, resolve challenges before they escalate, and respond decisively when they do. The result: our diverse clients stay protected, agile, and confidently positioned for growth. ABOUT US A Premier Law Firm for the Mortgage Banking Industry. BRODY | GAPP LLP delivers specialized legal and compliance solutions tailored to independent mortgage banks, credit unions, depositories, and mortgage brokers. Our clients operate in one of the most complex, regulated industries in the country—and many do so without in-house legal or compliance departments. We bridge that gap. Our firm is built for institutions that demand practical, high-impact counsel grounded in real-world experience. Whether you're navigating agency repurchase claims, structuring a multi-state compensation plan, defending a poaching claim, or responding to a regulatory audit, we bring the legal clarity, speed, and confidence that mortgage leaders rely on. What sets us apart is our team. Our attorneys include former general counsel, chief compliance officers, and litigators with deep experience inside the mortgage industry. We don’t just understand the law—we understand your business, your risks, your investors, and your timelines. We represent financial institutions of all sizes across the country, from early-stage IMBs to some of the largest nonbank lenders in the U.S. In fact, our attorneys routinely arbitrate, litigate, and negotiate cases, as well as defend state audits in as many as a dozen different states at any given time, and we are proud to be a trusted partner to companies committed to operational integrity, legal resilience, and scalable growth. Clarity in Compliance. Confidence in Litigation. That’s the BRODY GAPP difference. PRACTICE AREAS A Firm with Strength in Compliance, Litigation, and Strategic Counsel. At BRODY | GAPP LLP, we provide proactive, business-focused legal counsel to mortgage companies, financial institutions, and related service providers nationwide. Our practice spans outsourced general counsel services, regulatory compliance, and complex litigation—equipping clients to thrive in a rapidly evolving, high-stakes environment. We advise on enterprise risk management, licensing, investor obligations, state and federal regulatory audits, CFPB and state enforcement matters, and policy and procedure development. Our compliance team also supports clients with loan originator compensation structures, marketing arrangements, RESPA issues, and internal governance frameworks to reduce exposure and scale with confidence. Our litigation practice is equally robust. We represent clients in commercial and contract disputes, loan repurchase and make-whole demands, employment and labor claims, trade secret and poaching litigation, fraud investigations, and inter-company conflicts. We are particularly experienced in defending claims tied to securitized loans, warehouse line disputes, and legacy RMBS litigation. Whether we’re providing day-to-day compliance support or defending our clients in complex, multi-jurisdictional litigation, BRODY | GAPP LLP is the legal partner mortgage companies trust to protect their interests, preserve their reputation, and position them for long-term success. Explore and learn more about our areas of practice: • Regulatory Compliance • Gap Audits & Mock Exams • Commercial Litigation • Loss Mitigation & Repurchase Defense • Employment Law • Poaching & Pipeline Theft • Data Security & Cyber/Fraud Risk • Trade Secrets & Competitive Intelligence • General Counsel Services • Mergers & Acquisitions OUR TEAM Your Partners in Purpose. Our advisors are more than attorneys—they’re industry veterans who’ve led compliance, fought in courtrooms, and guided national mortgage lenders as general counsels and C-suite executives. They know your challenges because they’ve lived them. Meet the team ready to stand by your side. MEET THE TEAM CONTACT LET'S CONNECT OUR OFFICE 2102 Business Center Dr. Suite 2047 Irvine, CA 92612 Email: info@brodygapp.com Tel: 800-242-4605 Whether you need urgent legal support or want to assess your compliance risk proactively, we’re here to help. Schedule a complimentary consultation today! First Name* Last Name* Email* Subject Message Submit Before communicating with BRODY | GAPP LLP or its attorneys through this website, please read our Privacy Policy , and Terms and Conditions . Please do not send any private or confidential information in your inquiry. No attorney-client relationship exists between you and BRODY | GAPP LLP unless and until you receive a written statement that the firm represents you in a particular matter. By submitting your inquiry, you affirm that you have read and agree to these terms. You may contact us at admin@brodygapp.com . BACK TO TOP

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< Back James W. Brody, Esq. Founder & Managing Partner About Me As the Founder and Managing Partner of Brody Gapp LLP, I bring more than two decades of national experience at the intersection of complex litigation, regulatory compliance, and high-stakes financial disputes. My career has been defined by navigating the ever-evolving mortgage banking and financial services landscape, ensuring that leading institutions remain protected and positioned for success. I have been privileged to represent hundreds of different IMBs, credit unions, depositories, brokers and other financial service related entities, from those just barely making net worth to those that are largest in their class—across a wide spectrum of mission-critical matters. Before founding Brody Gapp LLP, I co-founded and built the American Mortgage Law Group, led the Mortgage Banking Litigation & Compliance Practice at Johnston Thomas, and served as a Senior Litigation Partner at Garris Horn LLP after agreeing to merge my litigation practice in an effort to expand its capabilities from compliance to formidable litigation and risk defense. Recognized nationally as a speaker and thought leader, I stay ahead of regulatory trends, market shifts, and industry pressures that shape financial institutions today. My insights have been featured in Mortgage Compliance Magazine , National Mortgage Professional , Scotsman Guide , the Wallstreet Journal , and other leading publications. At Brody Gapp, my mission is to empower clients with the legal foresight and advocacy they need to navigate complexity with confidence. My Approach Exceptional client service starts with direct access, proactive strategy, and a team that is stronger together. I hand-select and lead a group of top-tier attorneys who share my commitment to practical, business-driven solutions. Every case benefits from seasoned judgment, agile execution, and relentless focus on results. Clients turn to our firm for sophisticated litigation advocacy and high-impact compliance counsel—delivered with clarity, speed, and tenacity in a rapidly evolving financial market. Practice Areas Commercial Litigation Business Disputes Trade Secrets Litigation Regulatory Compliance State/CFPB Audit Defense Repurchase Defense Fraud Recovery Contract Formation and Negotiations Employment Law Defense Mergers & Acquisitions Education University of the Pacific, McGeorge School of Law (J.D., 2000) Certified Concentration in Advocacy (Litigation/ADR) Certificate of International Legal Studies (under Supreme Court Justice Anthony Kennedy) National Moot Court Team Annebel McGeorge Academic Achievement Scholarship Recipient American Jurisprudence Bancroft-Whitney Award Recipient Drake University (B.A. in International Relations, 1997) Bar Admissions State Bar of California U.S. District Court, Northern District of California U.S. District Court, Central District of California U.S. District Court, Eastern District of California U.S. District Court, Southern District of California Pro Hac Vice Admissions I have served as lead counsel in complex mortgage banking disputes in state and federal courts nationwide, with pro hac vice admissions in Arizona, Florida, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Oregon, New Jersey, New York, Tennessee, Texas, Virginia, and Washington, D.C. Affiliations An active member and speaker for national and state mortgage bankers associations and industry groups, I am deeply engaged in advancing policy, compliance standards, and best practices that protect lenders and fortify the mortgage banking community.

< Back Ashley Jumpp, Esq. Founding Partner About Me Ashley Jumpp is a Partner at Brody | Gapp LLP, where she focuses on the diverse regulatory and enforcement needs of financial and real estate market participants. With over 20 years of experience in financial services, Ashley represents Clients in regulatory compliance, enforcement, exam management, fair and responsible lending practices, licensing, education, policies and procedures, contract drafting and review, as well as, advertising and labor and employment issues. She has served as both inside and outside general counsel for mortgage lenders and business clients, as well as, Chief Compliance Officer, regularly advising and taking on matters related to regulatory compliance, employment law, consumer lending, contract disputes, contract drafting, and real property law. She advises on compliance with consumer protection, licensing, and other practice requirements. In counseling providers of consumer financial products and services on federal and state regulatory compliance matters, she has extensive experience involving the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Justice, Federal Deposit Insurance Corporation, Federal Reserve Board, Securities and Exchange Commission, Office of the Comptroller of the Currency, Department of Veteran Affairs, Ginnie Mae, Fannie Mae, Freddie Mac, State attorneys general and state departments of financial services. My Approach I am hyper focused on providing creative and practical approach to finding solutions and helping Clients navigate the legal landscape and implement regulatory requirement intricacies into actual practices. Clients in the real estate finance and consumer credit industries turn have turned to me for guidance and assistance in all areas of the industry and all phases of entity growth; from business creation, to implementing policies and procedures, such as employment contracts. I enjoy assisting clients with on-going needs, such as regulatory exams, internal reviews, and periodic filings. When the time comes for growth, I am ready to provide whatever necessary support is needed in achieving your goals as an organization. Practice Areas Regulatory Compliance Education Texas A&M (MBA, 2013) Texas Wesleyan School of Law (J.D., 2009) Austin College, (B.A. in Business and English, 2004) Bar Admissions Licensed Attorney, State Bar of Texas Admission, U.S. Northern Federal District of Texas Admission, U.S. Eastern Federal District of Texas Professional Affiliations Mortgage Bankers Association Texas Mortgage Bankers Association Federal Bar Association California Mortgage Bankers Association Tarrant County Bar Association Federal Bar Association Dallas Bar Association Community Bankers Network

< Back Nate Kunz Of Counsel About Me Nate Kunz is an experienced commercial litigator who represents businesses and individuals in complex disputes in state and federal courts. His practice includes contract disputes (formation, interpretation, and enforcement) and related equitable and business-tort claims, as well as employment-related disputes and restrictive covenant matters (including noncompetition and non-solicitation disputes) and trade secret and unfair-competition litigation. Nate also advises and litigates matters involving business divorces/ownership disputes, lender liability and guarantor defense, defamation, and consumer fraud class action defense. He has successfully represented clients at both the trial and appellate levels. Prior to joining Brody Gapp, Nate honed his litigation skills in Big Law, including at an Am Law 100 firm where he became a partner, as well as in boutique practice, where he focused on commercial litigation, class action defense, and state and federal appeals. Nate is an active member of the State Bar of Arizona’s Civil Practice & Procedure Committee and is a past chair of the Litigation Section of the Maricopa County Bar Association. My Approach Nate tailors strategy to the client’s objective—whether that means early resolution, targeted motion practice, or trial. Drawing on significant class action defense experience, he provides candid, decision-useful risk assessments and focuses on what matters to the business. His role is to build the strongest case possible while keeping stakeholders informed with clear, practical guidance throughout the litigation. Practice Areas Commercial Litigation Contract Enforcement and Interpretation Employment Disputes Noncompetition, Non-Solicitation, and other Restrictive Covenant Disputes Trade Secret and Unfair-Competition Claims Business Divorce/Ownership Disputes Business Torts Lender Liability/Guarantor Defense Consumer Fraud Class Action Defense Appellate Practice Education University of Denver Sturm College of Law (J.D., 2006) Cornell University (B.S., Applied & Engineering Physics, 2002) Bar Admissions State Bar of Arizona (2006) U.S. Court of Appeals for the Ninth Circuit (2006) U.S. District Court for the District of Arizona (2006)

< Back Elma Saxon Senior Paralegal About Me Elma Saxon is a senior litigation paralegal with more than 18 years of experience supporting attorneys through every stage of complex litigation—from early case assessment and discovery to trial preparation and appellate work. She brings particular expertise in litigation operations and eDiscovery. Elma manages document intensive workflows, oversees case calendars and court filings, prepares deposition and trial exhibit sets, supports motion practice through cite checking and quality control, and coordinates with court reporters, vendors, and client stakeholders to ensure matters progress efficiently. Her experience also includes supporting corporate transactions and assisting with regulatory submissions. Elma earned her Paralegal Certificate from Loyola University Chicago through its ABA approved program and holds both graduate and undergraduate degrees. She is multilingual and active in the paralegal community, including service within the Illinois Paralegal Association’s leadership and its unauthorized practice of law initiatives.

Brody Gapp Website Terms and Conditions, Updated June 2025 Terms & Conditions Effective Date: June 12, 2025 Last Updated: June 12, 2025 These Terms and Conditions (“Terms”) govern your access to and use of the Site, including our FAQ section, contact forms, and all content, such as articles, blog posts, or other materials (collectively, “Content”). By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which constitute the entire agreement between you and Brody | Gapp LLP regarding your Site usage, Content, and communications with us, unless otherwise specified (e.g., via an engagement letter for clients). If you do not agree to these Terms, please do not use the Site. We may update these Terms at our discretion, posting the revised version here with an updated “Last Updated” date. Significant changes will be notified via email or a Site notice. 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< Back Ronald Gapp, Esq. Founding Partner About Me As a seasoned General Counsel with over a decade of experience, I have served as the primary legal advisor for companies ranging from 200 to over 2,000 employees. I bring deep expertise in advising and representing lenders across all aspects of the laws and regulations governing mortgage lenders, brokers, financial institutions, and consumer finance companies. My unique background blends legal acumen with operational insight, enabling me to navigate complex regulatory environments while supporting business growth and operational efficiency. In a dual role as Chief Operating Officer and General Counsel at a nationwide, 100% employee-owned mortgage lender headquartered in Washington, I led the Operations, Legal, and Compliance departments. This expanded leadership role allowed me to drive initiatives beyond traditional legal counsel, aligning legal strategy with business performance. I have successfully managed complex litigation across various areas, including employment law defense, as well as cases involving claims of poaching, unfair business practices, breach of fiduciary duty, and trade secret misappropriation. Whether navigating economic headwinds or pursuing strategic M&A opportunities, I bring experience in handling sophisticated deal structures and the regulatory challenges that arise with GSEs and state agencies. I understand both the business and financial implications of these transactions, as well as the legal risks involved in contract negotiation and review. My Approach I focus on helping lenders tackle complex legal and compliance challenges with practical, business-minded solutions. My goal is to deliver actionable legal guidance that supports strategic objectives, enhances risk clarity, manages litigation, and ensures effective execution across all areas of the business. Practice Areas Regulatory Compliance Loss Mitigation Poaching Cases Trade Secret Litigation Contract Review and Drafting Mergers and Acquisitions Education Chapman University (B.A. in Economics with a Minor in Finance, 2009) Chapman University School of Law (J.D., 2012) Bar Admissions State Bar of California U.S. Central District of California

< Back Scott Harkless, Esq. Founding Partner About Me As an experienced litigator and mortgage executive, I have provided both legal and business counsel to all manner of mortgage banks, ranging from Countrywide Home Loans to my most recent position of Chief Legal Counsel to OneTrust Home Loans. I have helped the companies I serve manage their bottom line by overseeing litigation, creating innovative and compliant growth initiatives, and develop specialized product lines such as reverse mortgage. As an executive with a long history in the strategic alliance space, I am uniquely qualified to serve not only mortgage companies but real estate companies and builders as well. I have a proven track record in balancing a company's risk profile with its strategic growth initiatives. I have navigated complex business arrangements and events, such joint ventures and reorganizations and acquisitions. I have successfully interfaced with both state and federal regulators and GSEs. I have experience in navigating the full end-to-end aspects of a mortgage operation from recruiting to servicing - and have managed all the aspects of litigation that result, whether it be prosecuting or defending claims or representing my clients through the appellate process in either state or federal courts. I come from the "inside" of mortgage and bring to bear my over 20 years of mortgage and legal experience for the benefit of my clients regardless of their geographical footprint. My Approach I focus on helping lenders, real estate firms and builders tackle their legal and compliance challenges with practical, business-minded solutions and strategically manage their litigation needs. My goal is to provide holistic counsel - to help our clients manage risk, grow market share and advocate their claims through litigation and appeal. Practice Areas Regulatory Compliance Loss Mitigation Employee Litigation Poaching Cases Strategic Alliances Specialty Lines of Business Contract Review and Drafting Mergers and Acquisitions Appeals Education Asbury College (B.A. in History, 1999) UC Davis School of Law (Juris Doctor, 2002) Bar Admissions State Bar of California U.S. Eastern District of California

Brody Gapp website privacy policy, Updated June 2025 Privacy Policy Effective Date: June 12, 2025 Last Updated: June 12, 2025 At Brody | Gapp LLP, a California-based law firm specializing in representing mortgage lending and related institutions, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information through our website, www.brodygapp.com, including any FAQ section and contact forms. “Personal Information” means information that identifies or can contact you. This policy complies with the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and California Online Privacy Protection Act (CalOPPA). By using our Site, you consent to this Privacy Policy. We review this policy annually or as needed, with updates posted here and notified via email or site notice. For questions, contact admin@brodygapp.com or (949) 490-7950 . 1. No Attorney-Client Relationship Accessing our Site, including our FAQ on mortgage lender poaching cases, does not create an attorney-client relationship. Such relationships require an engagement letter, conflict checks, and compliance with California Bar Association rules. To inquire about our legal services, contact admin@brodygapp.com . 2. Information We Collect We collect: Contact Information: Name, email, phone number, and case details submitted via contact forms or inquiries. Usage Information: Automatically collected via cookies, including IP address, device type, browser type, pages visited (e.g., FAQ), and time spent on the Site. Correspondence: Emails or calls related to inquiries or legal services. Aggregate Information: Anonymized data (e.g., site traffic statistics) that cannot identify you. We do not knowingly collect data from individuals under 16. If you believe we have such data, contact admin@brodygapp.com . 3. 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Brody Gapp upcoming and past webinar information, links, and video/document downloads. RECENT WEBINARS Loan Officer Compliance in 2025: Compliance, Litigation Trends, & Strategic Planning Tuesday, September 9, 2025 10:00 AM PST WATCH the SESSION DOWNLOAD the PRESENTATION Presenter: Ron Gapp Founding Partner (909) 952-3076 ron@brodygapp.com Session Highlights: With the third quarter of 2025 well underway, now is the perfect time to revisit your Loan Officer Compensation (LO Comp) strategy and ensure you’re prepared for what’s ahead. Some of the key hot topic trends that will be covered during the webinar include: Regulatory Landscape Update: A breakdown of the current LO Comp rules, including how enforcement priorities have shifted in the wake of recent administrative and judicial actions. Deregulation Watch: Provide an update on potential deregulation. Litigation Trends: A look at recent lawsuits involving LO compensation practices, including a new case filed July 15 in the U.S. District Court for the District of Maryland (Case No. 1:25-cv-02294), where plaintiffs allege loanDepot systematically tied loan officer compensation to interest rates and fees charged to borrowers—allegedly violating the Truth in Lending Act (TILA) and Dodd-Frank regulations. This case may signal renewed regulatory interest in compensation structures. Strategic Structuring: Practical guidance on how to build compensation plans that align with compliance requirements while remaining competitive in today's market. Audit Readiness: Key tips on preparing for CFPB or state audits focused on compensation policies, with examples of issues regulators are flagging in current exams. Whether you're navigating compliance or exploring strategic ways to stay competitive with your LO compensation plans, this is a session you won’t want to miss! For more information or inquiries, please contact Founding Partner, Ron Gapp at (909) 952-3076 or Ron@BrodyGapp.com . 2025 Annual Regulatory Roundup: Trends, Challenges, and Regulatory Actions Brody | Gapp’s inaugural webinar, held June 12, 2025, in partnership with The Mortgage Collaborative, featured Managing Partner James W. Brody addressing the most pressing regulatory issues facing mortgage lenders. WATCH the SESSION DOWNLOAD the PRESENTATION Presenter: James W. Brody Founder & Managing Partner (415) 246-3995 james@brodygapp.com Session highlights: LO Compensation: Prohibited practices, safe harbor methods, and recent consent orders. Technology & Data Privacy: AI in underwriting, remote notarization, and emerging data security risks. Cybersecurity: Fannie Mae’s new 36-hour reporting rule and August 2025 compliance deadline. Market & Lending Practices: Non-QM and ARM product risks, plus shifting FHFA policies. Fair Lending & UDAAP: Recent enforcement actions and best practices for monitoring and training. Looking Ahead: CFPB priorities, the rise of state “mini-CFPBs,” and audit-readiness essentials. This first-of-its-kind session provided practical guidance to help lenders stay compliant, mitigate risk, and stay competitive in 2025. For more information or inquiries, please contact Founding and Managing Partner James W. Brody at (415) 246-3995 or James@BrodyGapp.com .

< Back Ingrid Petersen Of Counsel About Me Ingrid Petersen is an attorney at Brody Gapp P.C. where she focuses on mortgage banking transactions, dispute resolution, repurchase demand defense, contract review and drafting and civil litigation. Ingrid has over a decade of experience in representing mortgage lenders both in and out of litigation. Having worked as in-house counsel in the tech industry, Ingrid always sees every matter through the eyes of the client. She understands the interests of the client and their long-term objectives. Ingrid delivers maximum value for clients by protecting not only their legal interests, but also their reputation, time, resources, and energy. Clients trust her with their most complex and difficult problems, knowing that she will find the most cost-effective, practical, and positive resolution that is customized to the client’s unique needs, concerns, and strategy. Practice Areas Commercial Litigation Alternate Dispute Resolution Regulatory Compliance Transactional Business Contract Drafting and Reviewing Employment Law Education McGeorge School of Law (J.D. with Intellectual Property Certificate, 2008) University of KwaZulu Natal (BA Marketing and Psychology, 1998) Bar Admissions Licensed Attorney, State Bar of California Professional Affiliations Mortgage Bankers Association