• Argent prioritizes customer service at every level of its business dealings. The company’s primary goal is to provide customer clients with continuum of above average experiences.

• Argent takes a unified perspective on lending meaning that they utilize the most current technology which, in turn, help make transactions go smoother and more efficiently. Plus, these techniques allow the company to offer a 24 response time on all decision making, a uniquely unparallel service in the market.

• To lead by example is the key value demonstrated by Argent mortgage associates. This is accomplished via professional mannerisms and ethical standards. Best practices, the company’s operating policy criteria, spells out their original programs including: common sense, Argent’s customized underwriting and broker support, Argent’s emphasis on customer service above and beyond what is expected.

• Business model works off a cohesive team approach that in alignment provides superior service to independent brokers and lenders. Upon each visit, Brokers and lenders meet with members of the identical team.

• Argent places service ahead of technology, and in doing so is able to offer customers the benefit of personal contact.

• Quality control is of the utmost important and thus is regularly reviewed through vendor modules, audit evaluations and collateral checks.

• Argent encourages the professional growth of its staff through educational classes, training sessions and mentor programs. In addition, Argent also provides staff with brokerage seminars and, growing in popularity, online sessions entitled, “webinars.”

Business Facts
• Located in Irvine, California, Argent Mortgage is one of the country’s premiere wholesale mortgage financiers
• The company runs a trio of loan-processing facilities within the states of California, New York and Illinois.
• Argent Mortgage is licensed to sell mortgages in 48 states.
• In 2003, Argent Mortgage originated an estimated $20 billion in mortgages,
• Argent’s loan processes are amortized across the US within the company’s three main sites located on the East and West Coasts and in the Midwest.
• With over 2600 employees, Argent Mortgage has 15 regional sales directors; close to 300 staff at the headquarters location and relationships with more than 18.000 independent brokers.
• Argent’s senior staff has an approximated 17 years a piece of experience working in the mortgage industry.
• Argent conducts its mortgage lending business through something known in the industry as: broker-centric teams which at each site provide full-service fulfillment inclusive of: facilitation of loans; customized underwriting, account management and loan funding.
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Mortgage Industry -- Just the Facts
• In the US as a whole, approximately 69 percent of Americans are homeowners.
• In the coming year, The Mortgage Bankers Association (MBA) anticipated that there will be close to 7.4 million homes on the market.
• In the year 2004, MBA reports that mortgage funding will tally somewhere between $2.0 and $2.7 trillion.
• Within the first half of 2004, the MBA found loan originations to be evenly divided between purchase and second mortgage | refinance loans.