Because so many mortgage companies and lending institutions pass of the debts represented by their loans to third parties, there is little incentive to ensure that borrowers actually qualify for loans based on their income and credit history the way might where the original lending institution must absorb the cost of eventual default. Throughout the mortgage industry, practices evolved where realtors and mortgage brokers actively encouraged borrowers to misrepresent their financial circumstances to qualify for much more expensive properties than they could actually afford. Brokers who objected to this practice were subject to reprimand and even to dismissal from their positions, precisely because the moral rules within that vocational environment conflicted with objective values, not to mention federal law. Faced with similar circumstances, I would have no choice but to voice my objection, even at the expense of my position.

Similarly, my moral perspective does not permit rigid adherence to formal rules where those rules conflict with objective moral considerations. For example, if a coworker misplaced her ID card, I would not refuse to allow her to use mine to access the building, despite the fact that the rules of our workplace specifically...

In this situation, there is no issue of safety provided the coworker is someone known to me personally (rather than a stranger). Even if the employer has a legitimate interest in maintaining an accurate data base of computerized access and egress information logged by the computer chip in our ID cards, I value the impact on the coworker for having to return home for her card or disrupt her morning complying with formal rules of acquiring a temporary ID card over the interests of employer in maintaining accurate records.
Conclusion:

My moral perspective values character ethics in many instances, because the underlying motivation for contemplated action often provides valuable information relevant to moral decisions. However, because character/virtue ethics and deontological rules often fail to account for specific circumstances, I rely more heavily on utilitarian principles, because they emphasize the ultimate effect of my moral decisions and actions.

In my view, the primary purpose of moral decisions is precisely to achieve the greatest moral good, regardless of adherence to rules or even of the underlying morality of the motivation where neither actually produces an objectively moral result.