Rick Cardillo_12162019

“A company’s vision and mission are critical for an organization to look to as they grow. Goals and strategies evolve but are always based on that North Star, those principles we check ourselves against daily to ensure we are all aligned in purpose. That purpose—for us—is people and creating positive, impactful experiences that help them reach their goals. I’m excited about the future, I’m committed to your success, the success of Castle & Cooke Mortgage, and I hope you’ll join us as we work to deliver amazing experiences for you so you can help to create them for others.”

—Rick Cardillo

Our Vision

Sustainable financial foundations through homeownership.

Our Purpose

To help our customers, employees, and partners build strong, successful tomorrows through honest, refreshingly uncomplicated experiences today. 

About Castle & Cooke Mortgage

The name Castle & Cooke has a long and storied history, one that Castle & Cooke Mortgage is proud to have shared since we started in 2005. In 2018, we decided it was time to start writing our own story and we’re really proud of the tale so far.

We set out to help families, strengthen communities and improve the lives of the people who work here. We wanted to turn the mortgage industry on its head, do things a little differently—and a whole lot better. We put the customer experience right where it belongs: at the center of everything we do and what we do, we do with passion, integrity, a lot of hard work, and—of course—a little fun.

So far, we’ve helped a lot of families (like a lot, a lot) realize the dream of homeownership. We’ve become part of the communities we serve and hopefully made a difference in peoples’ lives along the way. But we’re not even close to done: there’s more people to help, more story to write, and so many more dreams to fulfill.  


We want you to realize your full potential. No matter what stage your career, we can help you grow and improve.

We take the stress out of starting at a new company by investing in your knowledge and growth from day one. The Home Office will host you for a 4-day training on our origination system, processes, and culture. You’ll meet the executive team and get to know your new family through hands-on, one-on-one training with Marketing, Underwriting, IT, Closing, and more.


We’re in the Zone. The Goldilocks Zone

Goldilocks found the perfect balance—and so have we. We’re not too big, but we equip you with the tools and support you need to hold your own with anyone in the industry. We’re not too small either—just small enough to keep our structure flat and red tape out of your way. Put the two together, and you get a company that’s just right.

Big Feet, Small Prints

Something else we get just right is our presence in local markets. With licenses in 37 states and growing, we offer opportunities all over the country. We know there’s plenty of business out there but saturating our markets with branches and loan officers isn’t something we do. Rivalries should be reserved for the competition, not your teammates.


Employees who enjoy their jobs can do amazing things, and we know how to make our employees happy. So happy that they stay with us longer. For the last 4 years we‘ve been recognized as a Great Place to Work, and 90% of our employees agree. Employees told Glassdoor the same thing with a rating of 4.4 stars out of 5, and 86% of our employees would recommend us to a friend.

Our customers love us too, giving us a whopping 4.92 of 5 stars on post-close surveys plus an outstanding 97% net promoter score rating!


Employees who enjoy their jobs can do amazing things, and we know how to make our employees happy. So happy that they stay with us longer. For the last 4 years we‘ve been recognized as a Great Place to Work, and 90% of our employees agree. Employees told Glassdoor the same thing with a rating of 4.4 stars out of 5, and 86% of our employees would recommend us to a friend.

Our customers love us too, giving us a whopping 4.92 of 5 stars on post-close surveys plus an outstanding 97% net promoter score rating!


Our people love what they do and it shows in their hard work. We appreciate that kind of outstanding performance and think it deserves to be celebrated and rewarded. The Castle & Cooke Mortgage Summit Club recognizes our highest achieving originators, branches, and support staff and rewards them with an unforgettable trip to a fabulous destination. The Summit Club is more than just a vacation though. It’s an important part of our company culture—bringing a sense of fun, adventure, and competition while inspiring us all to reach our highest potential.

summit club logo

Summit Club & Peak Performers

Maui Secret Cove

Punta Mita

New York City


We’ve got the touch. The One-Touch, That Is

Our underwriters love working at Castle & Cooke Mortgage because they’ve got it easy. Okay, not that easy. They work super hard and are the very best at what they do. From turning out files in under 24 hours (nearly half of which are clear-to-close the first time) to always being available to talk directly to loan officers, they’re crushing it every day! But they couldn’t do that without our incredible processors.

Castle & Cooke Mortgage processors are trained to some seriously tough standards—you can basically think of them as junior underwriters. Plus, we have a tried-and-true system that sets loan files up for approval in record time. We think that practically perfect processing is so important, that we incentivize our processors in a big way. First, on a per file basis, plus we invite the top three processors with the year’s highest overall One-Touch percentage to attend the annual Summit Club award trip.

One Touch

A One-Touch file is exactly what it sounds like: a file that makes it through underwriting the first time, without conditions, and is clear-to-close.
“Over 40% of our files are processed as One-Touch. This translates into faster turn times and fewer conditions, making us twice as efficient as most mortgage companies and allows us to give better pricing.”
—Joe Massey, Denver, CO


As you’d expect, we’re a full Fannie, Freddie, and Ginnie shop with just about every program your typical borrower would ever need (We’ve got a list if you’d like to see one.)

But what about your atypical homebuyers? We’ve got you covered there too, with our exclusive suite of non-QM programs. Designed for borrowers and investors who want to forge their own path, our Trailblazer series of loan products are custom-built to provide affordable financing options for clients whose needs don’t fall neatly inside standard guidelines or even common alternative options.


Take Your Business On-the-Go with CCM:Mobile

A successful LO can’t be chained to their desk. The CCM:Mobile app (iOS and Android) lets you interact with clients and files from anywhere. Share it with customers to provide mobile access to powerful calculators, online applications, easy document uploads, and most importantly—to you.

Use the Leading CRM and Marketing Software to Cultivate Your Business

As a sales professional and relationship-building expert, keeping track of your contacts and communicating with them is essential. We’ve leveraged the power and flexibility of our CRM and Marketing Automation platform—The Forge—to develop a deep portfolio of tailored content that can be sent to your contacts with just a few clicks. This dynamic collateral is incredibly informative and engaging. But the important thing is how much our homeowners and homebuyers love that you share it with them. 

Give Your Agents An Advantage with Their Own Home Search Mobile App

Lead generation and development is a collaborative effort when using MobilityRE (MRE), a leading home search app. Connected directly to hundreds of Multiple Listing Services, MRE allows our agent-partners to share current listing information and customized buyer alerts, while excluding all other agent info, portraying our partners as the exclusive real estate contact for each and every available property listing.

Increase Your Client Retention with Actionable Alerts

Get daily notifications whenever past clients have their credit pulled with another lender, or when their credit score—or even their home equity has improved significantly.
Never miss another opportunity again!

The Future is Here and It Can Save You Time

Wouldn’t it be great if you had your own personal assistant to help prepare your loan files for processing and underwriting? Meet AIVA, the virtual assistant powered by artificial intelligence and machine learning. Don’t worry, this isn’t Matrix-level stuff, but it can eliminate repetitive and tedious tasks—even review assets and income—saving you time and getting your clients to the closing table faster.


A Frictionless Application Experience For Your Borrowers

Our online application experience is unlike any other. Powered by savvy artificial intelligence to conversationally guide borrowers through the process, our application and consumer portal is accessible from anywhere on any device and helps to ensure clean and complete files are created from the start. With an experience like this, you’re sure to be a hero to all your customers.

Take Your Office On-The-Go

Cloud-based email and office software means you can work from anywhere, even your phone. Reply to an email from the beach, join a sales call from a kid’s ball game, or instant message your processor from your Realtor lunch meeting. Don’t be limited to your office: Take your show on the road!

One Password to Rule Them All

We live in a world that relies on data security. That means everything is at least password protected and sometimes even more. It’s just not realistic to manage 10, 15, or even 20 different passwords for every system you need to access regularly. That’s why we utilize Single Sign On (SSO) which lets you securely log in to 95% of our platforms with the same username and password.

Grow Your Business with the 3Cs of Castle & Cooke Mortgage Marketing
Growing your business in today’s competitive market means building valuable, long-lasting customer relationships. At Castle & Cooke Mortgage we get that and give you cutting-edge technology and sophisticated tools to expand your business. Our powerful approach to marketing helps you Captivate, Cultivate, and Connect with your leads, past clients, and referral sources.

CAPTIVATE – Use powerful web, mobile, and social marketing tools to attract future clients.
CULTIVATE – Our personalized email campaigns with informative and engaging content help make you the go-to expert and win client trust.
CONNECT – Maintain the relationships you worked so hard to build with fun, friendly greetings and relevant informational
content which provide value long after closing.


It may seem like a simple thing, but you’d be surprised by how many companies still use old technology. At Castle & Cooke Mortgage we continually invest in the future; by staying on the
leading edge of technology we ensure our employees have the best resources available. Better tech means increased data security, improved efficiency, better collaboration, and easier
access to the tools you need from just about anywhere.

Invest In Success With The Best LOS

A company’s Loan Origination Software (LOS) is a vital tool. As the hub of all origination activity,
it’s critical to ensure the right system is in place.

We spent over a year researching and comparing the top LOS options available and Empower by Black Knight was the clear champion. A cloud-based LOS with a clean and simple user interface, Empower allows busy originators to access their loans from anywhere, even on their phone.

But that’s just the beginning.


Castle & Cooke rocks a mean toolbox: a custom web page, a mobile app, a powerhouse CRM, and a next-gen automated marketing platform. A trove of savvy smart-tools that can be tailored and tweaked to meet your messaging needs, develop and support referral partners and help retain your past clientele.

We have a library of marketing material to engage, educate, and persuade your clients—all available at your fingertips. If you need custom content, our talented creative team is eager to provide made-to-order solutions that are creative, compliant, and tailored to your specific needs. Best of all, everything is company-paid.

A Personal Marketing Concierge: Just. For. You.
Many companies offer terrific marketing resources, but none provide what Castle & Cooke Mortgage offers in our LOMA program. Our Loan Officer Marketing Assistants are Home Office-based marketing pros who provide a wide variety of personal services, messaging insight and support.

As your personal liaison with the Marketing Team, your LOMA will facilitate your custom requests, add contacts to your database, assign them to campaigns, and create content like flyers, listing websites, landing pages, presentations, and more.


Our Loan Officer Marketing Assistants are Home Office-based marketing pros who provide a wide variety of personal services, messaging insight, and support.
“Our Loma Program surpasses anything I have ever seen in the industry. Our Corporate Support and Culture is unparalleled!”
—Jennifer Gokool, Peoria, AZ


P: 801-412-0090

E: careers@castlecookemortgage.com

W: castlecookemortgage.com/careers

13751 South Wadsworth Park Dr. Ste 101 | Draper, UT 84020

“I’ve been in this industry a long time—but I’ve never been more excited by what a company is able to provide its Loan Officers. With a size and structure that’s just right, Castle & Cooke Mortgage can offer what most other mortgage companies can’t: the tools and support you need to be as successful as you want to be, wherever you are, without any red tape. Combined with a truly inspiring purpose, Castle & Cooke Mortgage provides you the perfect foundation to reach your highest potential.”

                                                                                                                                                      —Jim Modrycki
                                                                                                                                                                     SVP Sales

Jim Modrycki photo