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The Academic Technology Approval Scheme (ATAS) is a scheme of the British government for certifying foreign students from outside the EU for entry into the United Kingdom to study or conduct research in certain sensitive technology-related fields. For these students, obtaining an ATAS certificate is a prerequisite for obtaining a visa.
Ellie Mae Inc., originally named Electronic Mortgage Affiliates, [1] is a software company that processes 35% of U.S. mortgage applications. [2] The services are based on a software as a service model (SaaS), [3] and specializes in originating and funding new mortgage loans and facilitating regulatory compliance.
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The approval rate of cooperative loans is very high, as credit score is irrelevant since monthly installment repayment is automatic. Applicants who have been blacklisted by banks due to poor credit score as reflected by Central Credit Reference Information System (CCRIS) and the Credit Tip-Off System (CTOS) successfully apply for cooperative loans.