While it’s not entirely clear whether social media signals directly impact Google’s ranking algorithm, what’s certain is that social media can indirectly improve your website’s ranking. Loan officers who tap …
Securing a steady flow of top-tier leads for your pipeline is already a daunting task –but you knew this when you got into this industry. But when you factor in …
Your mortgage website is your digital real estate (no pun intended). But while you have the freedom to design it any way you want and the obligation to deliver an …
Link building plays a vital role in SEO and is one of the factors Google considers when determining search rankings. While actions like improving page speed can provide an immediate …
If you’ve been a loan officer for any number of years, you’re familiar with the ebbs and flows of the mortgage market. When things are good, they are very good. …
A marketing plan helps you grow your mortgage business – this is true even for single MLO’s. But let’s face it, creating a plan can be overwhelming and confusing. We …
While mortgage tech has helped streamline many aspects of origination, there’s a massive disconnect that nearly all tech stacks are neglecting, and it’s causing you to bleed thousands in potential …
Rising interest rates and economic uncertainty have triggered major pullback from consumers, underscoring the necessity for mortgage professionals to revamp and fortify every angle of their business. Further still, forward-thinking …
LenderHomePage named MPA’s Top Mortgage Employer of 2022, marking a consecutive win in this honored recognition. Mortgage employers face new challenges as headlines about inflation and company downsizing loom in …
We’re excited and honored to receive the 2022 Innovation Award in recognition of our visionary mortgage point-of-sale software, Loanzify POS. Loanzify is the modern originator’s epicenter for automating, mobilizing, and …
This cover story interview with CEO Rocky Foroutan was originally featured on Tomorrow’s Mortgage Executive. Examining The State Of Mortgage Lending Today LenderHomePage.com is a provider of a secure and …
You watched the tutorials, read the how-to’s, and boosted your top Facebook posts for several weeks now. Yet still, your mortgage marketing efforts have failed to produce results. Truth be …
User experience isn’t just an element that would be good to have. In modern lending, user experience (UX) is a matter of your business’ survival. And while many have incorporated …
Referrals are the lifeblood of all successful originators, accounting for as much as 65% of new business. However, your past clients aren’t the only source of referral –you also have …
Looking to start 2022 with a fresh online presence? Check out these 2 brand-new mortgage website templates we just released! These professional, eye-catching designs make a striking first impression, and …
We’re recapping 2021 and the remarkable shifts that made for an excellent year for the mortgage industry and 50% growth for LenderHomePage! As the year draws to a close, we’re …
Applying for a mortgage is a means to an end. Whether the “end” is a new home, funding for a home remodel or investment property, or saving a few hundred …
Some pretty fantastic promises have been made regarding what social media can do for a business. Post daily on Facebook and triple your revenue in 3 months. Be more active …
The goal of boosting your loan volume without increasing your payroll may seem like an impossible task, but you’re closer to achieving it than you realize. With a few strategic …
Santa Ana, October 14, 2021 – LenderHomePage proudly announced today that they are the recipient of two honors in the mortgage industry, MPA Magazine’s “Top Mortgage Employers 2021” and the …
Content that engages your audience isn’t about winning a popularity contest. It’s about enticing or activating motivation, making it more likely that the reader will convert into a borrower. Engaging …
Santa Ana, Sept 16, 2021 – LenderHomePage announced today a new partnership with LeadMailbox designed to help mortgage companies streamline and enhance their lead management process. The new integration addresses …
The definition of a brand can be boiled down to how the public perceives you, so a personal brand isn’t necessarily built around a business or even with the goal …
Santa Ana, Sept 1, 2021 – LenderHomePage today announced a new enterprising integration with loan origination software developer Integra. The powerful partnership between LenderHomePage and Integra furthers their commitment to …
SANTA ANA, CA, USA, August 25, 2021 /EINPresswire.com/ — LenderHomePage today unveiled details of two new features to its premier mortgage point-of-sale platform, Loanzify POS. The newly released Spanish version …
As a loan officer, know that there’s real value in creating a personal brand. Consider this: if you decide to change to another brokerage or financial institution (or go out …
Mortgage company branding is more than a logo. It’s part of the entire consumer experience, how your customer perceives you and is an indispensable factor in your ROI. Everything from …
Getting a website online for any business is relatively easy nowadays, there are several quick and cheap options. But a website that’s also a hub of your business –central to …
Want to make your marketing more powerful and targeted to your ideal borrower? The key lies in creating buyer personas. A mortgage buyer persona is a semi-fictional representation of your …
Rocky Foroutan’s Orange County software company is riding a wave of innovation as it makes a splash in the U.S. mortgage industry. LenderHomePage.com is capitalizing on a swell of good fortune, …
SANTA ANA, CA, USA, July 13, 2021 /EINPresswire.com/ —LenderHomePage the developer of Loanzify POS, an industry-leading mortgage point-of-sale system that empowers lenders to unify, automate, and mobilize the front-end of …
Scaling a mortgage business requires a 360-degree effort. From staffing to workflow management and technology, growing a mortgage business is just as much about increasing intake capacity as it is …
We’ve compiled a list of the topmost relevant, and useful online courses mortgage professionals need to thrive and grow their mortgage business to the next level. From digital marketing to …
The mortgage customer experience (CX) refers to all the touchpoints and effort you put into making borrowers feel important as they interact with your business and move through the borrower …
We’re excited to announce three all-new “loan officer” website templates specifically built for personal branding. If you’re a loan officer, your most powerful asset is your personal equity and personal …
Mortgage tech has transformed the industry by elevating the customer experience, improving compliance, accelerating funding, and making home financing more accessible to borrowers. It’s also increased the availability of mortgage …
If your mortgage website looks more like a “billboard,” having little more than today’s rates and a welcome message, then you’re missing out on making an impactful and persuasive first …
Similar to how businesses live and die by sales, mortgage websites live and die by conversion rates. A thriving conversion rate means mean a full pipeline with a steady revenue …
It’s shocking to see how many mortgage businesses ignore the value of Google My Business (GMB). It’s akin to leaving money on the table, and that is no exaggeration. Google …
Setting up a website isn’t too complicated –especially if you use a templated mortgage website. But what seems to stump many mortgage pros and brokerages alike is how to drive …
Social media networks have been evolving from the start, and one of the more recent additions has been expanding in-platform shopping tools. But after all the hype, you may be …
Mortgage websites are unlike traditional business websites. As a highly regulated industry, lenders have a slew of compliance requirements in addition to state and federal regulations like the CCPA in …
In a perfect world, every mortgage website visitor would be ready to apply now. But we know that that’s not the case. Most of the time, a digital mortgage consumer …
The rise of the digital consumer plus the mortgage industry’s remote workforce means that the entire origination process relies on technology more than ever. As such, originators count on remarkable …
At any given moment, consumers are looking for a new place to call home or for ways to save on their mortgage payments. And according to the latest stats by …
One of the most notable changes to the new MISMO 3.4/URLA is the ability to list several income sources. This necessary update was due to the emerging “gig economy” –a …
After passing our 1st anniversary of remote work, many lenders have decided –or are considering — to keep it that way. Reasons range from reducing overhead costs to increased employee …
SANTA ANA, Calif., April 21, 2021 /PRNewswire/ — Today, the leading digital mortgage platform LenderHomePage announced the launch of the company’s redesigned Loanzify mobile app, as well as its integration with LenderHomePage’s mortgage Point-of-Sale system. …
Digital transformation is more than a one-off enhancement to existing lending processes –it’s a constant evolution and realignment of tech and automation that steadily improves your business and helps you …
Sometimes the most remarkable things go unnoticed if they’re part of your day-to-day. For example, did you know that the number of eNotes registered with MERS rose from 17,000 in …
The new MISMO/URLA became mandatory for all lenders on March 1, 2021, and we were ready to help our customers make the transition well before that deadline. However, many also …
Social proof is a concept in which consumers will modify their behavior based on what they believe others are doing. It’s a powerful psychological influence that essentially means that if …
Just five years ago, the conversation about mortgage lead generation centered around conversion rates, particularly about making ads and calls-to-action more “baited” and clickable. Echoing last week’s post, we know …
The number of consumers embracing all-digital experiences has skyrocketed to a point where it feels like every day is Cyber Monday. What’s more, research** supports that this new digital-first consumer …
The transformation to a digital means of loan acquisition and processing is crucial for organizational goals. You don’t need us to bombard you with stats to prove that digitizing and …
Research shows a direct link between successful digital implementation and profitability. But the correlation requires originators and lenders to think beyond deploying individual tech tools and instead target a digital-focused …
Historically, whenever there was a technological leap, it was met by some resistance. Resisting isn’t unique to the mortgage industry –it’s evident in any industry where technology altered or interfered …
It’s been about four years since Fannie Mae and Freddie Mac jointly announced a major update of the standard 1003, and after some delays, the deadline is just days away. …
Exclusive preview! After nearly a year of dedicated hard work and innovation, we’re thrilled to be on the brink of unleashing version 4 of LOANZIFY App. The highly anticipated v.4 …
If 2020 taught us anything, it’s that quick pivots during uncertain times must also be sustainable. And as we navigate the new normal in socially-distanced interactions, we’re experiencing a boom …
You asked for it. Now they’re here! We’re delighted to announce the release of two new mortgage website templates. With GROWTH built into every element, templates 56 and 57 offer …
Your role as a mortgage professional isn’t confined only to the activities specific to loan processing. You’re also responsible for selling the loan service. Steal these top sales techniques to …
There’s been a shift in how consumers interact with digital channels. It may seem inconsequential, but make no mistake, the transformation from multichannel to omnichannel in digital lending makes a …
The industry is buzzing with the news of Rocket Mortgage going public. Debuting at $18 for each of their 100 million shares, Rocket Mortgage ambitiously aims to increase its market …
Patience, persistence, and perspiration make an unbeatable combination for success. –Napoleon Hill There’s a reason that mindset hacks are a hot topic since Napoleon Hill’s 1937 classic, “Think and Grow …
We ‘re excited to unveil 9 all-new mortgage calculators! Always on your side and ahead of the game, this latest update is designed to impress right from the start, keep …
The digital partner you can depend on! At LenderHomePage, we always have our ears to the ground when it comes to both mortgage and digital compliance issues. The most recent …
During the early part of the nationwide shelter-at-home order, news spread across the industry about the historic surge of refinancing. It jumped to a record high of 55%, according to …
No matter where you stand on the issue, states around the country are beginning to open up for business, and this means that we must all consider what it means …
We’ve heard a lot about “uncertainty” these days and for good reason. Everything about how we live and work has changed drastically, leaving many aspects of our lives in the …
Here we grow again! Just last week, we announced a Zoom integration. And now, we’re excited to share another development. LenderHomePage is Now Partnered with LendingPad LendingPad’s loan origination system …
**UPDATED** We’re excited to announce that our mortgage POS system, LOANZIFY, is now Zoom-enabled! This feature is instrumental to all mortgage professionals –from single LOs to enterprise — and is …
No doubt, things are different. Yet, while it’s not “business as usual,” your borrowers are still counting on you to be able to deliver “business as usual” — no matter …
Consultative selling may not sound as flashy or exciting as “sales machine” or the “art of the sale” but it’s certainly in the same category. Consultative selling in the mortgage …
The road to mortgage success isn’t exactly straight forward. In fact, when you first signed up to be a mortgage professional, you probably thought that you’d spend most of your …
Referrals are one of the top ways to gain mortgage leads. The strange thing is that not enough mortgage pros take action or time to nurture the relations that bring …
No matter where you’re business was at the end of 2019, we bet closing more loans is part of your plan for growth for this new decade. But if plans …
The URLA is about to go through the biggest update in recent years and that’s no understatement. However, we at LenderHomePage have been preparing for it. Long before the original …
Across the country, several lenders, including some customers of LenderHomePage have received demand letters warning them that their websites were at risk of legal action due to possible non-compliance with …
When we think about automating the mortgage process, it may seem similar to automating any other office. But the lending business is a different beast. In this post, we’re …
What do current stats say about a digital mortgage? Ellie Mae recently conducted a unique survey that revealed interesting facts and useful information about the digital mortgage experience from both …
Listing your mortgage business on Google My Business (GMB) is part of your SEO strategy. Or at least it should be. More than 50% of search inquiries happen via mobile …
You need a mortgage blog. You need an email marketing campaign. If you’ve been following our blog for some time, these words probably sound familiar. No doubt, content marketing and …
250 billion dollars. That’s how much US businesses are dedicating to their media budget in 2020. This is the first time in our history that companies will spend such an …
Fresh, qualified leads are the lifeline to your lending business and marketing is how you keep that pipeline filled. That’s why you’ll find thousands of online articles dedicated to mortgage …
Technology. Has. Changed. Everything. There isn’t one aspect about commerce that hasn’t been revolutionized by tech –and that includes how the consumer engages with business before, during, and after the …
For Millennials, technology is a lifestyle, not a tool. Let that sink in for a moment. Millennials are the first generation to grow up with technology as part of everyday …
Welcome to 2019, Freddie Mac! Just yesterday, Freddie Mac unveiled its new tech tool that aims to help originators gain valuable and advanced insight to optimize their mortgage lending strategies. …
Progressive single and team-member mortgage originators know that success isn’t just about increasing revenue; it’s also about reducing loan production costs. With the costs hovering at $9,000 per loan and …
The financial and mortgage industries shadow each other in many ways. So when we see extraordinary technological changes happening in finance, no doubt we’ll see and upheaval in the mortgage …
Extraordinary success is yours for the taking, and you probably don’t realize it. In fact, most ‘LO’s and mortgage brokers are missing the iceberg of opportunity that mortgage tech offers. …
Are Millennials all about “the “next BIG thing” when it comes to technology and digital experiences? With Millennials eager to drop $1000+ on the newest iPhone and app downloads in …
After just five months of officially entering the mortgage market with the introduction of Zillow Home Loans, Zillow Group is stalling. It appears that developing its mortgage platform is taking …
In a recent mortgage news post, we discussed the impending Fannie and Freddie deadline for implementing the redesigned Uniform Residential Loan Application. However, a recent update states that the transition …
Building a strong team has always been a challenge in the lending industry. However, 2019 has its own set of unique challenges when it comes to recruiting and retaining top-producing …
In a previous post, you learned the practical steps for transitioning to a digital mortgage platform. But what you may not realize is that your transition might have a deadline. …
Simplify the loan process. Accelerate productivity. Reduce cost. Increase your profits. Scale-up your business. Get ahead of the competition. Plan for growth, no matter the market. These are the well-known …
Is the digital mortgage experience already changing consumer behavior and expectations? According to a recent Ellie Mae survey –yes! Their annual Borrower Insights Survey (BIS) polled more than 2,000 renters …
Brokers –worried that a sluggish market might affect your pipeline? Or maybe things are going well, but you’d like to plan for “just in case.” Whatever your reasons are, use …
When planning your next marketing strategy, don’t forget about a mortgage video marketing strategy, too. Today’s consumers want content delivered in a variety of ways, and video content is quickly …
Ever feel like most of the digital mortgage marketing tips are written for professional marketers rather than loan officers? While some mortgage professionals want a detailed step-by-step guide for marketing …
While too early to see the full scope of “Big Data” and how it will alter the mortgage industry, we can already see it influencing the lending process. Big data …
One way to ensure your mortgage leads pipeline never goes dry is to have multiple sources feeding into it. Pay-per-click ads, retargeting ads, paid mortgage leads, SEO content for organic …
Don’t let that title mislead you, a mortgage website is a must for your digital mortgage success. But in 2019, not any website will do, nor is it the only …
Is an “e-mortgage” and “digital mortgage” the same thing? While sometimes used interchangeably (even among mortgage professionals), e-mortgage and digital mortgage are not the same. A digital mortgage refers to …
As a mortgage broker, you’re always feeling the urgency to find mortgage leads. But now with digital mortgage, the pressure multiplies. And rightfully so! If you’re not doing any digital …
Last week, we talked about the effects of the government shutdown on the mortgage industry. This week we’re taking an overall look at real estate trends for 2019 — particularly …
After withstanding the longest government shutdown in U.S. history, the wheels of the economy are finally turning again. But has everything truly gone back to normal? What repercussions did the …
Inclusivity is important to LenderHomePage. Before it was even a requirement, our SmartApp 1003 already featured an advanced language localization to support Spanish-speakers with limited English skills. But what about …
Thank you, LHP family and readers, for making 2018 a hugely successful year. We hope that whether through our digital mortgage platform or through digital mortgage articles, that we’ve contributed to …
Simply put, we help brokers get more and get more done. What does that mean for you, the mortgage broker? It means whatever challenge you are facing, whatever gap you …
The mortgage industry doesn’t work on “hunches.” It’s data-driven. When the federal reserve adjusts the federal fund rate, mortgage rates and the housing market respond. As a mortgage professional, you …
Traditionally a loan changes hands 40 or more times before it is funded. This makes the loan process extend to up to 40 or more days when it should really …
This interview with LenderHomePage CEO, Rocky Foroutan, first appeared on Mortgage Professional America. Everyone knows that the digital lending space is growing at breakneck speed, and on the face of …
The Pareto principle is well-known among business leaders, both those that attended a four-year college and those that got their education from the school of “learning-on-the-job.” But in case you’re …
How do you recruit new loan officers to your business? Better yet, how do you attract top-earning LO candidates? If you answered with “training and the potential of large payouts,” …
As a mortgage professional, you know that creating a compelling digital experience is essential for success. In other words, it’s no longer a question of whether a digital mortgage solution …
There is a lot of talk about technology making jobs obsolete. The media loves to publish clickbait articles about self-driving cars that will destroy driving jobs and AI that can …
There are mortgage websites and then there are mortgage websites. The difference? A true mortgage website is part of the digital mortgage experience. A true mortgage site has enough design …
You already know that social media is critical to your online presence but do you know how to get the most out of it? Would you like to learn how …
Digital is how lending and banking is done in 2018 and on. It’s why Rocket Mortgage has helped Quicken Loans be America’s top lender and why traditional banks are turning banking …
Just a few weeks ago, Chase Bank launched Finn, their answer to the rising popularity of all-digital banking. Finn isn’t the first end-to-end digital bank, but it does offer something …
This next statement won’t make us many friends with web designers or DIY website companies, but that’s OK. We prefer to be on your side — the side of the …
If you’re in the mortgage industry, no doubt you consider Rocket Mortgage your Goliath. In fact, it’s a Goliath even to Wells Fargo now that Rocket Mortgage, or more accurately, …
The average age of a first time homebuyer is about 32, making your first-time home loan prospect a millennial. Marketing mortgages to millennials are unlike other generations. Sure, they want …
LenderHomePage is uniquely positioned with Loanzify-POS to help our Mortgage Website clients improve efficiencies and borrower satisfaction. In 2003, a small group of progressive and talented software engineers began improving …
Loanzify: Where “old-world” mortgage banking practices meet modern technology. We have developed a POS that celebrates the history of mortgage banking, trend setting 1003 and featuring a cutting edge borrower …
Point Of Sale is taking the mortgage industry by storm, and it’s time you get on board. A Mortgage Point of Sale, or POS, is the mortgage process under one …
Retargeting can be a little confusing. Have you ever been shopping online for something that you don’t really need? Maybe a pair of shoes? As you are picturing those magnificent …
The lending industry changes. The market inflates and deflates. Regulations expand, and so do the opportunities for your borrowers. But there something unique and exciting about the most recent changes. …
Here at LenderHomePage, we work hard to provide lenders and brokers nationwide a one-stop-shop to run a successful mortgage business. Our development team has been putting their collective …
“Business as usual” isn’t going to cut it anymore. Simply having a website isn’t enough to stay competitive in your local market. Outdated online marketing strategies won’t make a significant …
Mortgage leads from social media. Maybe you’ve heard a colleague mention it. Or perhaps you follow other mortgage professionals and banks on social media to figure out their marketing tactic. …
You’ve likely heard the phrase “content is king,” but that’s not entirely true. Content is only king when it’s a quality, engaging, sizzling article written for both mortgage prospects and …
We’re not even two weeks into 2018 and already have exciting updates to share with you! Our popular SmartApp1003 has some powerful enhancements that you don’t want to miss. Spanish …
2017 was a pivotal year for both digital mortgage and LenderHomePage. It marked the first year that online loan applications surpassed paper applications. It was also the landmark year for the first all-digital …
Last year, we wrote an end-of-the-year digital mortgage predictions post that was spot on. But to be fair, it wasn’t so much a prediction as it was a well researched …
Imagine having a blunder so bad that a term was created for it. That’s what happened to Mark Sanchez of the Jets when he committed what many call the worst …
LenderHomePage.com, the leading provider of cloud-based Digital Mortgage solutions has now integrated its SmartApp1003 platform with LendingTree to enhance lead quality while enhancing borrower experience. Lenders within the LendingTree network …
It’s been rumored for years. Even before it had a name, there was an idea — a vision — of a faster, easier way to get our borrowers and us …
In the old days, moving information securely over the web was all about HyperText Transfer Protocol (HTTP). That’s why every web address starts with HTTP. The trouble is that plain …
2018 Borrower Demographic Requirements SmartApp1003, the most agile online 1003, just got better. At LenderHomePage, staying on top of compliance is just as important to us as it is for …
You don’t need us to tell you how competitive the mortgage industry is, you’re in it every day. But there are things you may not know about your clients, and …
When you first started out in the lending business, you did it all. Respond to every client email or phone call, reach out to new prospects, personally checked the status …
Want more leads but on a tight budget? Mortgage leads via Craigslist may be just the thing! The combination of a free and easy to create ad that targets local …
This post is part 2 of our series on mortgage branding 101. You can read part 1 of mortgage branding here, but as a quick refresher, here’s why mortgage branding …
You may not know who Carolyn Davidson is, but no doubt you know her work. In 1971, Ms. Davidson was paid $35 to create a logo. The result? The Nike …
Digital mortgage is radically changing the lending industry for both consumers and lenders. In its simplest terms, digital mortgage automates the mortgage application, process, and closing. Sure, that doesn’t sound …
Mortgage landing pages are highly-focused conversion tools for generating leads. They’re constructed to reach a particular prospect looking for a specific loan product or mortgage solution. Since they are so …
There is no clear “yes” or “no” answer when deciding to create a custom site, as there are several factors to consider when choosing the best fit for your …
For better or for worse, the internet is a public platform for comments and reviews of your business. While you serve your clients to the best of your ability with …
After choosing the perfect business name, selecting the right logo, and launching your mortgage website, you finally have the digital front to your lending business. But is your mortgage site …
One of the most valuable metrics to measure — sometimes even more important than web traffic — is conversion rate. Conversion rate is the measure of on-site visitors that turn …
You can improve your mortgage website ranking on Google searches with SEO content. Search engine optimization (SEO) makes your website more visible to search engines. However, it’s not enough to …
A responsive website is designed to automatically and seamlessly adjust the text, images, and navigational elements to the user’s screen -whether on a desktop or a touchscreen mobile device. On …
The average closing rate of a loan using the traditional long-form 1003 is 40 business days which can cost a lender over $8000. Not only is this process a headache …
Why do I need a landing page if I have a website? Don’t they do the same thing? Sometimes the smallest of misunderstandings are the most costly –and the lack …
LenderHomePage integrates with Floify – Streamlines Borrower/Partner Communication LenderHomePage.com today announced that it has now fully integrated its digital mortgage platform with Floify, a provider of document management services. Floify …
LenderHomePage welcomes Lydia Hernandez as new Senior SEO Editor and Social Media Manager LenderHomePage, the leading provider of a secure cloud-based digital mortgage platform, welcomes Lydia Hernandez as their new …
The Loan Officer Portal is the latest addition to the LenderHomePage product portfolio. Designed to improve intra-company efficiencies and communications, the Loan Officer Portal is the comprehensive solution for sharing …
LenderHomePage has integrated with LendingTree platform so borrowers have the ability to continue with a full 1003 application after filling out the lead form. Once a Borrower completes the LendingTree’s …
The Power Profile by LenderHomePage The Power Profile is an exciting new way to showcase your business and engage with potential clients — right from the main company website! More …
Getting the attention of a prospect when you’re competing with online giants like Lending Tree may seem impossible, but really it just requires a little know-how. The online marketing methods …
We have introduced 2 brand new and highly requested features to our SmartApp1003. SmartApp1003 is already the most agile mobile online 1003 in the marketplace, and with the addition of …
LoanTek, Inc., a provider of mortgage pricing engine solutions, and LenderHomePage, the leader in mortgage website and mobile solutions have announced the release of their technology integration. The LoanTek – …
To help lenders create direct-to-consumer online lending programs, LenderHomePage has now integrated its mobile and web platform with the LendingQB loan origination system. This integration provides an automated system for …
You’ve built your landing page. You’re proud of the value it offers. The compelling content will peak interest in potential customers, and your landing page will essentially establish an easy-to-manage …
It’s been a little over a year since the term “Digital Mortgage” started making its rounds in the industry. It’s safe to say 2016 was the year lenders across the …
