Mortgage Cadence. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Mortgage Cadence Platform. CONS. Borrower Center. At this time a little over a year ago, Mortgage Cadence was gearing up to take advantage of a changing landscape in the loan origination system business. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Our teams collaborate with our clients to gain a full understanding of their processes and workflows – ensuring seamless. The leading fully integrated point-of. Borrower Center. 462. 2336Mortgage Cadence has been working with lenders since 1999, offering a one-stop shop mortgage technology solution designed for point-of-sale through post-closing. Mortgage Cadence Platform. A leading, flexible, compliant system to handle all of your reverse mortgage products. In 2016, Mortgage Cadence was spun off from Accenture to become Mortgage Cadence, an Accenture company. In January 2022, we surveyed 1,105 Americans to get their feedback on homeownership and what this year will bring in terms of a homeowner's outlook. We have a number of home loan options, suited to fit the needs of most buyers. 2 million in 2060, an increase of 120%. We use Accenture’s Mortgage Cadence Platform for the loan origination process, including registering and submitting loans, importing loan data and more. With Services Center, you can rapidly and effectively build and deploy integrations to service providers in the mortgage ecosystem. Mortgage Cadence, an Accenture Company · June 11, 2020 · June 11, 2020 A leading, flexible, compliant system to handle all of your reverse mortgage products. The end-to-end Loan Origination System that delivers on the needs of your business. Interactive, immersive dashboards and reports for up-to-the-minute analytics. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. There is no monthly charge for the Mortgage Cadence site, or per user. 991. The data, available across a number of critical performance indicators, clearly illustrate the qualities that set the nation’s highest performing lenders. Read Press Release for Fidelity National Finl (FNF) published on Sep. 462. Power BI. The end-to-end Loan Origination System that delivers on the needs of your business. Since 1999, Mortgage Cadence has been providing the best people, process and technology for enterprise and mid-market lenders who desire to deliver an exceptional borrower experience. 462. 991. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Mortgage Cadence Platform. (MBA Limited) Primary Contact: Ashley Gravano. Borrower Center. 462. American Challenger: Craig Streem, Head of Investor Relations 561-235-1810; craig. 9 out of 5 for work-life-balance (12. 651-646-9411. Power [email protected]’s EXOS platform provides industry-leading benefits, including immediate title clearance, an expected clear-to-close date, real-time pricing and instant closing. We meet customers where they are in their financial journey, providing expert advice and a broad array of products and services to help them reach their goals. The end-to-end Loan Origination System that delivers on the needs of your business. DENVER; June 11, 2020 –EXOS Technologies, a division of ServiceLink, has completed its integration with Mortgage Cadence, an Accenture (NYSE: ACN). Power BI. Since 1999, Mortgage Cadence, champions of the lending process, have been providing the best people, process and technology for enterprise and mid-market lenders who desire to deliver an exceptional borrower experience. Connect with one of our teammates for one-on-one assistance. 8200 Toll Free Support: 888. The end-to-end Loan Origination System that delivers on the needs of your business. Borrower Center. Mortgage Cadence now provides clients with direct access to ServiceLink’s title and settlement capabilities through the Mortgage Cadence Collaboration Center. The leading fully integrated point-of. This new integration helps. Power BI. "This new integration will allow Mortgage Cadence users to access our industry-leading AVM. EVP, Marketing. Led by Professor Jeannie Liedtka, former associate dean of the MBA program, author of several books on design thinking, and a THINKERS 50 business leader, the students embarked on an extensive information. The leading fully integrated point-of. Allies for Community Business. Mike Detwiler is the Chief Executive Officer and Board Member for 3Pillar Global. It’s an open. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Mortgage. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Mortgage Cadence Platform vs BytePro. The leading fully integrated point-of. A leading, flexible, compliant system to handle all of your reverse mortgage products. A leading, flexible, compliant system to handle all of your reverse mortgage products. 298. Mortgage Cadence Platform. IRVINE, Calif. Mortgage Cadence Platform. Our solution supports remote online notarization (RON), hybrid closings, remote ink-signed notarization (RIN), in-person electronic notarization. 462. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. The end-to-end Loan Origination System that delivers on the needs of your business. Borrower Center. Power BI. In addition, Mortgage Cadence’s top-performing lender was able to close 10. Mortgage Cadence has announced its partnership with EXOS Technologies, the latest addition to its growing Collaboration Center network. Mortgage Cadence provides Enterprise Lending Solutions (ELS), which employ an extensive financial services data model wrapped with a native rules engine to deliver data-driven workflow automation tools to mortgage banks, lenders, credit unions, service providers and servicers. Mortgage Cadence: Megan Martin EVP, Marketing (516) 480-6765. Houston, TX 77081. KANSAS CITY – January 30, 2023 – PMI Rate Pro, a Fintech firm founded by loan originators to help build stronger relationships with mortgage borrowers, has completed a new integration with the Mortgage Cadence Platform (MCP), the newly-released, cloud-based digital lending platform from Mortgage Cadence. Mortgage Cadence delivers the industry’s most complete, modern, cloud-based digital lending platform designed to provide an exceptional user experience throughout the entire mortgage lending life cycle, across all channels and products. 8200 Toll Free Support: 888. The leading fully integrated point-of. The goal is to provide lenders a platform to automate the mortgage lending. PITTSBURGH, PA. The May 2020 launch of the Mortgage Cadence Platform is ready to meet the needs of lenders today and as the mortgage industry evolves. Respondents were 48% female and 49% male, with an age range of 18 to 79 and an average age of 37 years old. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Booth has more than 30 years of industry experience, and will be working with the Mortgage. Seth Hooper. Mortgage Cadence, a wholly owned subsidiary of Accenture, has been partnering with lenders since 1999, offering the industry’s mortgage technology solutions designed for point-of-sale through post-closing. Through. martin@mortgagecadence. This is useful in estimating the financial strength and credit risk of the company. S. As of Thursday, November 23, 2023, current mortgage interest rates in Arkansas are 7. Power BI. Consortium is significantly lower than some of its highest paying competitors, like ICE Mortgage Technology, DTCC, and Danske Bank International S. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Rather than a standalone portal, Borrower Center is a native element of Mortgage Cadence’s Loan Origination Systems, Enterprise Lending Center and Loan Fulfillment Center. Mortgage Cadence, an Accenture company, is. Mortgage Cadence: Alison Flaig VP, Marketing (919) 906-9738. The end-to-end Loan Origination System that delivers on the needs of your business. 991. With EXOS, you can access real-time data, streamline your workflow, and deliver high-quality valuations. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Employees in Denver have rated Mortgage Cadence with 2. (link sends email) 713-776-4700. Interview. mortgage industry. 462. First, notify Virginia Housing of the Lender Administrator(s) who will be responsible for the maintenance of their respective users. Interactive, immersive dashboards and reports for up-to-the-minute analytics. The leading fully integrated point-of. Mortgage Cadence Platform. We make sure your experience is smooth and stress-free. This first-of-its-kind integration of EXOS within a point-of-sale (POS) platform will enable. Through the new integration,. org. Sales & Support: 303. The end-to-end Loan Origination System that delivers on the needs of your business. 2336Mortgage Cadence: Alison Flaig VP, Marketing (919) 906-9738. Creating a Frictionless Closing Experience with DocuSign and Mortgage Cadence. Mortgage Cadence’s primary competitors include Mortgage Builder, Calyx, OpenClose and 4 more. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Mortgage Cadence, an Accenture (NYSE: ACN) company, is teaming with EXOS Technologies, a subsidiary of ServiceLink, a Fidelity National Financial (NYSE:. martin@mortgagecadence. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. 2336. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Mortgage Cadence has enjoyed a long relationship with Microsoft. com. 462. Mortgage Cadence, an Accenture (NYSE: ACN) company, is teaming with EXOS Technologies, a subsidiary of ServiceLink, a Fidelity National Financial (NYSE: FNF) company, to provide clients with direct access to EXOS’ capabilities through the Mortgage Cadence Collaboration Center. Explore Cadence Online Banking Products and Services Zelle ® We've partnered with Zelle ® to give you a convenient way to send money using your mobile banking app or online banking account with no fees 2 . Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and. 462. Since 1999, Mortgage Cadence has been providing the best people, process, and technology for enterprise and mid-market lenders who desire to deliver an exceptional borrower experience. 27% for a 15-year fixed mortgage. A leading, flexible, compliant system to handle all of your reverse mortgage products. Borrower Center. DENVER, March 21, 2022 – Mortgage Cadence, a subsidiary of Accenture (NYSE: ACN), has announced Kelly Booth has joined as a Senior Vice President of Sales. c. Vice Chair: Sheli Flieger. With a leading borrower point-of-sale through closing collaboration tools, the end-to-end. Building a Bridge from One Side of the Mortgage Business to the Other. Referred to Hiring Manager, after 2 months and repeated calls to HR where they responded they would. The best loan origination system starts with the best people. 6440 Hillcroft, Suite 411. We’ve built overlays into our loan origination system for loan activity to be able to deviate in workflow and allow individual users to support multiple channels, so there’s no longer a need for independent channels to support. The end-to-end Loan Origination System that delivers on the needs of your business. pietzak@svclnk. 462. The leading fully integrated point-of-sale, configured for your brand. That’s why we’re integrated with technology partners across the industry to help you quote and order MI from Enact quickly and securely using your loan origination system. Mortgage Cadence Platform. Mortgage Cadence Platform. The home you want is within reach. Espinosa, a veteran software and technology executive, as chief executive officer. Your team can work out the data mapping and connectivity with service providers, release those updates on an independent schedule, and quickly deploy access to those updates on the Mortgage Cadence Platform (MCP). Mortgage Cadence: Megan Martin EVP, Marketing (516) 480-6765. Competitors: Unknown. Toss until the apples are well coated. Mortgage Cadence has. 8200 Toll Free Support: 888. A leading, flexible, compliant system to handle all of your reverse mortgage products. 991. Borrower Center. Ascent ’23 | Mortgage Cadence User Conference. Since 1999, Mortgage Cadence has been providing the best people, process and technology for enterprise and mid-market lenders who desire to deliver an exceptional borrower. One of his primary focuses at ACES is leading the product development team to stay at the forefront of enterprise quality. 24% during the forecast period, reaching USD 4132. The home you want is within reach. Chair: Deb Jones, CMB. Mortgage Cadence's user conference, Ascent, aims to improve Borrower Experience with lenders & best-in-class service providers. Borrower Center. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. in Mortgage Cadence. 991. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. . As part of the mission to offer a complete consumer digital experience,. 21 Fixed Interest Rate : 2. Accenture announced its agreement to acquire Mortgage Cadence from its founders and Monitor Clipper Partners, a Boston-based private equity firm, on July 15, 2013. The Mortgage Cadence Platform is a modern, comprehensive, cloud-based digital lending solution that was designed with the user in mind, delivering an exceptional experience throughout the entire. . Digital tools are increasingly gaining adoption,. Interactive, immersive dashboards and reports for up-to-the-minute analytics. , a nationwide provider of mortgage insurance (MI. Borrower Center. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Also. . The leading fully integrated point-of. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. From point-of-sale through post-closing, Mortgage Cadence offers reliable software and dedicated people, supporting lenders every step of. Navi Persaud. 8 Savings Example: Without SPARC With SPARC: $225,000 Conventional 30-Year Loan Fixed Interest Rate: 3. The estimated total pay for a Applications Solutions Analyst at Mortgage Cadence is $97,045 per year. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Start Your Application. Mortgage Cadence: Megan Martin EVP, Marketing (516) 480-6765. Mortgage Cadence Platform. Mortgage Cadence Platform. The end-to-end Loan Origination System that delivers on the needs of your business. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. With a leading borrower point-of-sale through closing collaboration tools, the end-to-end. Colorado Springs, CO "Save the date and make plans to join us for the industry’s premier mortgage technology user conference!" Learn More. With a leading borrower point-of-sale through closing collaboration tools, the end-to-end platform is both. See why our clients consistently rate us 5 stars. The technology partnership will cut the average time to close in half by streamlining the digital mortgage lifecycle. Texas. Mortgage Cadence Platform. Borrower Center. Sales & Support: 303. finkelstein@arizent. The leading fully integrated point-of. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. 8200 Toll Free Support: 888. 8200 Toll Free Support: 888. In its survey, Mortgage Cadence questioned over 900 Americans across the country to better understand their view on having smart tech in their homes, starting with what pieces of technology people are most likely to seek out. Originations Editor, National Mortgage News. The end-to-end Loan Origination System that delivers on the needs of your business. Ascent ’23 | Mortgage Cadence User Conference. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. The Tech100 program provides housing professionals with a comprehensive list of the most innovative and impactful. Borrower Center. Looking for our Canadian website? Our Canadian Website provides you with the most relevant content and services. Watch the video on how the Mortgage Cadence Platform (MCP) allows borrowers to take the driver's seat during their loan shopping experience. Power BI. A leading, flexible, compliant system to handle all of your reverse mortgage products. The end-to-end Loan Origination System that delivers on the needs of your business. PITTSBURGH, June 11, 2019 /PRNewswire/ -- EXOS Technologies, a ServiceLink company, and Blend, two leaders in the digital mortgage space, are collaborating in a dynamic partnership to further. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Last Update. How to Start. Borrower Center. A leading, flexible, compliant system to handle all of your reverse mortgage products. EDT 3 Min Read. 991. Mortgage Cadence, a subsidiary of Accenture (NYSE: ACN), has unveiled their new Mortgage Cadence Platform (MCP) and announced the release of version 1. About EXOS. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Power BI. Renovate or build a home and obtain a permanent mortgage with one easy-to-manage loan. (link sends email) 713-776-4700. Since 1999, Mortgage Cadence has been providing the best people, process, and technology for enterprise and mid-market lenders who desire to deliver an exceptional borrower experience. In a time when efficiency, speed and the customer experience are paramount to the success of lenders, Mortgage Cadence offers reliable software and dedicated people, supporting. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Mortgage Cadence delivers the industry’s most complete, modern, cloud-based digital lending platform designed to provide an exceptional user experience throughout the entire mortgage lending life cycle, across all channels and products. Borrower Center. Mortgage Cadence Platform. 2% lower than company-wide rating) and 2. The leading fully integrated point-of. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. With a leading borrower point-of-sale through closing collaboration tools, the end-to-end. Contact: Megan Martin. The leading fully integrated point-of. Mortgage Cadence Platform. The end-to-end Loan Origination System that delivers on the needs of your business. We meet customers where they are in their financial journey, providing expert advice and a broad array of products and services to help them reach their goals. From document collection, application submission, and borrower. The end-to-end Loan Origination System that delivers on the needs of your business. A leading, flexible, compliant system to handle all of your reverse mortgage products. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. Sales & Support: 303. DENVER; April 16, 2020 – Mortgage Cadence, an Accenture (NYSE: ACN) company, today announced that TSP Consulting Services, a New Jersey-based provider of mortgage software and technology consulting services, has joined its growing partner. From point-of-sale through post-closing, Mortgage Cadence offers an end-to-end digital lending platform solution that has 86% of their clients outperforming. Request a demo. VP. According to a 2021 study from Freddie Mac, the average cost to originate a mortgage was slightly higher than $8,500 per loan at the end of 2020. A leading, flexible, compliant system to handle all of your reverse mortgage products. The end-to-end Loan Origination System that delivers on the needs of your business. Mortgage Cadence delivers the industry’s most complete, modern, cloud-based digital lending platform designed to enable an exceptional user experience throughout the entire mortgage lending life cycle, across all channels and products. EXOS Title brings the. Borrower Center. Mortgage Cadence delivers the industry’s most complete, modern, cloud-based digital lending platform designed to provide an exceptional user experience throughout the entire mortgage lending life cycle, across all channels and products. A leading, flexible, compliant system to handle all of your reverse mortgage products. Sales & Support: 303. Power BI. This week, Intercontinental Exchange (ICE) and Black Knight announced an agreement to sell Black Knight’s Empower loan origination system (LOS) business to Constellation Software, Inc. CLEVELAND, OHIO – December 13, 2022 – Accurate Group, a leading provider of technology-driven real estate appraisal, title data, analytics, and e-closing solutions, today announced a strategic partnership with Mortgage Cadence that allows lenders to access Accurate Group technology via the Mortgage Cadence Collaboration. Power BI. Borrower Center. Tailored to your brand for a seamless experience, our Borrower Center enables borrowers and loan officers to harness the power of MCP anytime, anywhere, on any device. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. The leading fully integrated point-of. 9% lower than company-wide rating), 2. May 24, 2022, 11:20 a. 991. The Standard Rate always applies on balances over $100,000. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. The end-to-end Loan Origination System that delivers on the needs of your business. With a leading borrower point-of-sale through closing collaboration tools, the end-to-end. Virginia Housing will. . About Mortgage Cadence . 0. The estimated base pay is. 2336EXOS Valuation Order Management is a cloud-based platform that allows you to manage your appraisal orders, track your performance, and communicate with your clients. Borrower Center. "As the focus of mortgage lending shifts away from refinancing activity to the more complex business of home-purchase lending, the need for better technology and streamlined. Respondents were 48% female and 49% male, with an age range of 18 to 79 and an average age of 37 years old. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Jul 15, 2013. The leading fully integrated point-of-sale, configured for your brand. Sales & Support: 303. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Wholesale Provide all the tools your brokers need to efficiently originate and submit loans. The Mortgage Cadence Borrower Center is an intuitive web portal designed to take applications for first mortgages, second mortgages and HELOCs. bradley. Power BI. 462. Workday login. The report titled “Global Loan Origination Systems Market” has covered and analyzed the potential of the Worldwide Loan Origination Systems Industry and provides statistics and information on. Mortgage Cadence has been working with lenders since 1999, offering a one-stop shop mortgage technology solution designed for point-of-sale through post-closing. Current mortgage rates in Arkansas. Interactive, immersive dashboards and reports for up-to-the-minute analytics. PITTSBURGH, PA. Power BI. Mortgage Cadence is committed to delivering the last lending solution our clients ever need through our commitment to service, partnership and technological innovation. Interactive, immersive dashboards and reports for up-to-the-minute analytics. The end-to-end Loan Origination System that delivers on the needs of your business. Contact us today. 462. The leading fully integrated point-of. 29, 2016- Accenture Mortgage Cadence has transitioned all of its clients – more than 600 mortgage lenders across the United States – to the Accenture Mortgage Cadence Cloud, helping the lenders better manage loan-processing cycle. Interactive, immersive dashboards and reports for up-to-the-minute analytics. A leading, flexible, compliant system to handle all of your reverse mortgage products. 1, designed to provide an exceptional user experience throughout the entire mortgage lending life cycle, across all channels and products. Mortgage Cadence: Alison Flaig VP, Marketing (919) 906-9738. That difference can be seen in how we work with customers—and with one another—to help the people, companies and communities we serve prosper. The new Mortgage Cadence Platform (MCP) is the industry’s most modern, cloud-based loan origination system designed to provide an exceptional user experience throughout the entire mortgage lending life cycle, across all channels and products. 20, 2018 – Mortgage Cadence, an Accenture (NYSE:ACN) company, enhanced its Enterprise Lending Center (ELC) loan-origination platform by providing additional integration capabilities with Mortgage Guaranty Insurance Corporation (MGIC). Interactive, immersive dashboards and reports for up-to-the-minute analytics. A leading, flexible, compliant system to handle all of your reverse mortgage products. 8200 Toll Free Support: 888. 18 loans per employee per month with Mortgage Cadence’s technology powering their customized workflow. EXOS Title, the industry’s first instant title technology solution, was developed by ServiceLink in collaboration with Fidelity National Financial, the leading provider of title insurance and settlement services to the U. Connect with one of our teammates for one-on-one assistance. The end-to-end Loan Origination System that delivers on the needs of your business. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. Pedro brings vast experience in Financial Services and Banking, having worked with clients around the world and serving as the Global Client Account Lead for one of the largest global banking client accounts in Accenture. A leading, flexible, compliant system to handle all of your reverse mortgage products. 2336 Mortgage Cadence, an Accenture (NYSE: ACN) company, has completed its integration with EXOS Technologies, a division of ServiceLink. Power BI. c. By Joe Camerieri, EVP, Client Account Management at Mortgage Cadence. A leading, flexible, compliant system to handle all of your reverse mortgage products. Borrower Center. SAN FRANCISCO — February 7, 2023 — Snapdocs, the mortgage industry’s leading digital closing platform, today announced the completion of its integration with Mortgage Cadence, an Accenture (NYSE: ACN) company. Interactive, immersive dashboards and reports for up-to-the-minute analytics. A leading, flexible, compliant system to handle all of your reverse mortgage products. From point-of-sale through post-closing, Mortgage Cadence offers an end-to-end digital lending platform solution that has 86% of their clients outperforming. Interactive, immersive dashboards and reports for up-to-the-minute analytics. The leading fully integrated point-of. A leading, flexible, compliant system to handle all of your reverse mortgage products. Interactive, immersive dashboards and reports for up-to-the-minute analytics. Mortgage Cadence, an Accenture (NYSE: ACN) company, is teaming with EXOS Technologies, a subsidiary of ServiceLink, a Fidelity National Financial (NYSE: FNF) company, to provide clients with direct access to EXOS’ capabilities through the Mortgage Cadence Collaboration Center. A leading, flexible, compliant system to handle all of your reverse mortgage products. Power BI. The number of people aged 65 and older is projected to grow from 44. Power BI. Mortgage Cadence, an Accenture (NYSE: ACN) company, is teaming with EXOS Technologies, a subsidiary of ServiceLink, a Fidelity National Financial (NYSE: FNF) company, to provide clients with. 462. Borrower Center. Due to our security policy, we’re unable to provide you with direct assistance. Sales & Support: 303. Mortgage Overview; Conventional Loan; Portfolio Loan; FHA Loan; Rural Housing Loan; VA Loan; Mortgages for Medical Professionals; Right@Home Loan;. 9% lower than company-wide rating), 2 out of 5 for culture and values (22.