4.1. The Project

Home-mortgage lending has proven to be one of the most difficult processes to adapt to e-commerce. Many banking and finance sites have only partially automated the process, requiring the customer to complete an application, then wait for a telephone representative to call back to complete the transaction. The primary hurdle has been the complexity of the process, which required credit checks and verifications of the customer's assets, liabilities, employment status, and other information.

HomeSide Lending, Inc., headquartered in Jacksonville, Florida, is the sixth largest servicer and the twelfth largest originator of residential mortgages in the nation. HomeSide is also one of the few lenders that has mastered the entire mortgage ...

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