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Doctor of Business Administration (D.B.A.)


Information Systems and Technology


Ronald Black


Mortgage managers lack the organizational strategies to evolve after the 2008 economic decline of the U.S. and the global economy. The significance in the lack of organizational strategies threaten the U.S. and global communities with challenges in defaults for homeowners, performance and profits for the mortgage industry that jeopardize solvent economies. The purpose of this qualitative single case study was to explore the strategies mortgage loan managers use to avoid mortgage crises and maintain profitability. The conceptual framework for this study was the social audit theory. The participants of the study were 7 mortgage managers, in the North-Eastern region of the U.S. Data were collected using semistructured interviews as the primary source, and as the secondary source data from public files, press releases, archives, public databases, and the company website. Using methodological triangulation, data, were analyzed and the following 5 themes emerged: adherence to government regulations, training strategies, credit history strategies, work history strategies and income-to- debt-ratio strategies. The potential implications for positive social change include increasing the success rate of lending for mortgage managers, which in return could create profit for mortgage firms, generate employment opportunities, increase the government tax revenues, and contribute to the growth of the U.S economy.

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