As a mortgage lender, Caliber Home Loans’ direct environmental impact is relatively limited compared to industries with more significant emissions or resource consumption. However, the company can promote environmental sustainability indirectly by encouraging energy-efficient home purchases and financing eco-friendly home improvements. By offering mortgage products that incentivize environmentally responsible housing, they can play a role in reducing carbon footprints associated with residential properties. In the social sphere, Caliber Home Loans has a significant impact through its core business of providing home financing. They contribute to homeownership and housing stability for individuals and families. By adhering to fair lending practices, offering affordable mortgage options, and addressing housing affordability challenges, the company positively influences social equity and economic well-being. Additionally, their community engagement efforts and support for housing-related charitable organizations can further enhance their social impact. Caliber Home Loans’ governance impact is crucial for the trust and credibility it maintains within the financial services industry. Ensuring compliance with regulatory standards, transparency in mortgage terms, and data security are fundamental aspects of their governance impact. Ethical business practices and responsible lending are central to their operations, ensuring they fulfill their fiduciary duty to clients.