The mortgage industry is very good at watching signals.

We watch rates like hawks. We track consumer sentiment all day long. We buy tools to tell us when to lock, when to float, when to sell, when to hedge and when to blink. 

We invest in technology to improve speed, accuracy and workflow. We spend plenty on marketing to capture the consumer at the top of the funnel and even more trying to keep them engaged through the process.

In other words, we have built an entire ecosystem around watching what moves the market.

But there is one force that can increase costs, disrupt details ⇒

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