Impact of Mortgage Characteristics on Retail Mortgage Transaction Completion Time

In the mortgage industry, many mortgage lenders cannot manage mortgage workflow systems while meeting and exceeding organizational objectives. Organizations with an above-industry average turnaround time (ATT) to complete a retail mortgage transaction (RMT) from origination to funding experience revenue losses. Grounded in the proposition that mortgage loan purpose (MLP), mortgage loan type (MLT), and subject property type (SPT) impact ATT to complete an RMT, the purpose of this causal-comparative study was to assess the impact of MLP, MLT, and SPT on ATT to complete an RMT. Using archival data records (N = 146) from a selected mortgage institution in the state of Florida, the results of the 2 x 2 x 2 factorial ANOVA showed that there were no main or interaction effects F(5,140) = 0.42, p = .83. Implications for social change include the possibility for mortgage lenders to implement improved workflow processes to reduce costs and improve efficiency metrics and intrinsic value, thereby benefitting organizational stakeholders such as employees and consumers

Une agronomie pour le XXIe siècle

The challenge for agricultural systems today is to produce whilst drastically reducing greenhouse gas emissions, in limited agricultural spaces where the biodiversity, quality of resources, soils, water, air, etc. all have to be protected. This collective work, published to mark the twentieth anniversary of the creation of the Inra Environment and Agronomy Department, takes stock of progress made in this area