A mortgage transaction is very complex, very complicated, and very localized - the rules are not just by state but by county, sometimes even by municipality.

As state of the art as the Truman Sports Complex was, it's going to be even better. We'll have a jewel that everybody in the community will be pound of.

This is a complicated transaction. It's in response to the Justice Department's concerns.

Except for a handful of banks that just keep a handful of their loans in portfolio, on their balance sheet, every other loan that's originated in the United States - whether from a bank, mortgage company, mortgage broker - is sold into the secondary market.

A lot of the problems in the mortgage world, people said, were because our competitors were evil. But a lot of it was a lack of technology - bad processes and systems.

The State of Ohio and Mayor Jackson's office have been extremely cooperative and helpful in bringing this project to fruition. This partnership has achieved a big win for the community, our current and future employees, and our company.