Incentives have always driven mortgage lending.

Loan officers originate loans. Lenders compete for production. Borrowers search for the lowest available rate. Regulators work to ensure fairness across the process.

Over time, these competing forces produced a complex economic architecture designed to keep loan production flowing through an already intricate financial system.

For decades, that architecture worked.

But the industry may now be confronting a quiet paradox: the systems built to make mortgage lending efficient may also obscure how mortgage lending actually works.

As technology automates more of the operational side of lending, the next challenge may not simply be producing loans faster. It details ⇒

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