Resources Archives - Teraverde | Helping Mortgage Lenders Strategically and Digitally Transform to Increase Productivity and Profitability

Keep the Best, Cut the Rest

by Roxanne C | Oct 12, 2022 | Resources

The main point of discussion is the concept of “all volume is good volume,” or a variation “every loan adds profit to cover fixed costs.”If all compensation and other costs are fixed (meaning the lender can’t reduce its costs under any circumstance), then all volume...

Fallout Are Lost Opportunities. Not a Cost of Doing Business

by Roxanne C | Oct 12, 2022 | Resources

We can’t afford to let any fundable loan slip through our fingers. The fact is many loans do slip by. The reasons vary, but the impact is large.It does not have to be that way. Get This Resource

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.

Necessary

Always Enabled

Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.

Cookie	Duration	Description
__cfduid	1 month	The cookie is used by cdn services like CloudFare to identify individual clients behind a shared IP address and apply security settings on a per-client basis. It does not correspond to any user ID in the web application and does not store any personally identifiable information.
__stripe_mid	1 year	This cookie is set by Stripe payment gateway. This cookie is used to enable payment on the website without storing any payment information on a server.
__stripe_sid	30 minutes	This cookie is set by Stripe payment gateway. This cookie is used to enable payment on the website without storing any patment information on a server.
cookielawinfo-checbox-analytics	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checbox-functional	11 months	The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checbox-others	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-necessary	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-performance	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
ec_cart_id	1 day	No description
JSESSIONID		Used by sites written in JSP. General purpose platform session cookies that are used to maintain users' state across page requests.
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.

Functional

Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.

Cookie	Duration	Description
__cf_bm	30 minutes	This cookie is set by CloudFare. The cookie is used to support Cloudfare Bot Management.
bcookie	2 years	This cookie is set by linkedIn. The purpose of the cookie is to enable LinkedIn functionalities on the page.
lang	session	This cookie is used to store the language preferences of a user to serve up content in that stored language the next time user visit the website.
lidc	1 day	This cookie is set by LinkedIn and used for routing.
na_id	1 year 24 days	This cookie is set by Addthis.com to enable sharing of links on social media platforms like Facebook and Twitter
ouid	1 year 24 days	The cookie is set by Addthis which enables the content of the website to be shared across different networking and social sharing websites.

Performance

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

Cookie	Duration	Description
_gat	1 minute	This cookies is installed by Google Universal Analytics to throttle the request rate to limit the colllection of data on high traffic sites.
GCLB	12 hours	This cookie is known as Google Cloud Load Balancer set by the provider Google. This cookie is used for external HTTPS load balancing of the cloud infrastructure with Google.
YSC	session	This cookies is set by Youtube and is used to track the views of embedded videos.

Analytics

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.

Cookie	Duration	Description
_ga	2 years	This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.
_gid	1 day	This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visted in an anonymous form.
_hjFirstSeen	30 minutes	This is set by Hotjar to identify a new user’s first session. It stores a true/false value, indicating whether this was the first time Hotjar saw this user. It is used by Recording filters to identify new user sessions.
_omappvp	11 years	The cookie is set to identify new vs returning users. The cookie is used in conjunction with _omappvs cookie to determine whether a user is new or returning.
_omappvs	20 minutes	The cookie is used to in conjunction with the _omappvp cookies. If the cookies are set, the user is a returning user. If neither of the cookies are set, the user is a new user.
_uetsid	1 day	This cookies are used to collect analytical information about how visitors use the website. This information is used to compile report and improve site.
vuid	2 years	This domain of this cookie is owned by Vimeo. This cookie is used by vimeo to collect tracking information. It sets a unique ID to embed videos to the website.

Others

Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.

Cookie	Duration	Description
_gat_UA-10100831-50	1 minute	No description
_hjAbsoluteSessionInProgress	30 minutes	No description
_hjid	1 year	This cookie is set by Hotjar. This cookie is set when the customer first lands on a page with the Hotjar script. It is used to persist the random user ID, unique to that site on the browser. This ensures that behavior in subsequent visits to the same site will be attributed to the same user ID.
_hjIncludedInPageviewSample	2 minutes	No description
_hjIncludedInSessionSample	2 minutes	No description
_hjTLDTest	session	No description
_uetvid	16 days 6 hours	No description
A3	1 year	No description
AnalyticsSyncHistory	1 month	No description
anj	3 months	No description
CONSENT	16 years 9 months 2 days 11 hours	No description
i	1 year	The purpose of the cookie is not known yet.
m	2 years	No description
UserMatchHistory	1 month	Linkedin - Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.
vv_session_id	30 minutes	No description
vv_visitor_id	3 years	No description
X-Mapping-kfpgcdol		No description

Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.

Cookie	Duration	Description
__ss	1 day	This cookie is set by SharpSpring, a marketing automation platform. This is used for tracking visitors and form submissions.
__ss_referrer	1 hour	This cookie is set by SharpSpring, a marketing automation platform. This is used for tracking visitors and form submissions.
__ss_tk	25 years	This cookie is set by SharpSpring, a marketing automation platform. This is used for tracking visitors and form submissions.
_fbp	3 months	This cookie is set by Facebook to deliver advertisement when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website.
B	1 year	This Cookie is used by Yahoo to provide ads, contents or analytics.
bscookie	2 years	This cookie is a browser ID cookie set by Linked share Buttons and ad tags.
fr	3 months	The cookie is set by Facebook to show relevant advertisments to the users and measure and improve the advertisements. The cookie also tracks the behavior of the user across the web on sites that have Facebook pixel or Facebook social plugin.
IDE	1 year 24 days	Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile.
koitk	10 years	This cookie is set by SharpSpring, a marketing automation platform. This is used for tracking visitors and form submissions.
MUID	1 year 24 days	Used by Microsoft as a unique identifier. The cookie is set by embedded Microsoft scripts. The purpose of this cookie is to synchronize the ID across many different Microsoft domains to enable user tracking.
pa_crosswise_ts	2 years	This cookie is set by Perfect Audience and is used for advertising purposes based on user behavioral data.
pa_google_ts	2 years	This cookie is set by Perfect Audience and is used for advertising purposes based on user behavioral data.
pa_openx_ts	2 years	This cookie is set by Perfect Audience and is used for advertising purposes based on user behavioral data.
pa_rubicon_ts	2 years	This cookie is set by Perfect Audience and is used for advertising purposes based on user behavioral data.
pa_twitter_ts	2 years	This cookie is set by Perfect Audience and is used for advertising purposes based on user behavioral data.
pa_uid	2 years	This cookie is set by prfct.co. This cookie is used across the websites that use same ad network to display ads to the other advertisers in the network.
pa_yahoo_ts	2 years	This cookie is set by Perfect Audience and is used for advertising purposes based on user behavioral data.
personalization_id	2 years	This cookie is set by twitter.com. It is used integrate the sharing features of this social media. It also stores information about how the user uses the website for tracking and targeting.
test_cookie	15 minutes	This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user's browser supports cookies.
uid	1 year 24 days	This cookie is used to measure the number and behavior of the visitors to the website anonymously. The data includes the number of visits, average duration of the visit on the website, pages visited, etc. for the purpose of better understanding user preferences for targeted advertisments.
uuid2	3 months	This cookies is set by AppNexus. The cookies stores information that helps in distinguishing between devices and browsers. This information us used to select advertisements served by the platform and assess the performance of the advertisement and attribute payment for those advertisements.
VISITOR_INFO1_LIVE	5 months 27 days	This cookie is set by Youtube. Used to track the information of the embedded YouTube videos on a website.