A decade of MBA Quarterly Performance Reports tells a story the mortgage industry has yet to fully absorb.  A 200 basis point gap between TopTier® and Bottom Tier lenders persists. As of the quarter ended September 30, 2025, the top 20% of lenders earned 139 basis points of pre-tax production income. The average lender hovers around 33 basis points. The bottom 20% of lenders lost 70 basis points. 

Does there have a consistent 200-basis-point gap between the top and bottom quintile of lenders over ten years?  This is not a cyclical phenomenon. It is a structural problem details ⇒

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