The loan officer engineer: The $11,898 problem
Freddie Mac data puts 67% of origination cost in personnel, even after years of digital mortgage spend
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Qualia’s 2026 survey reveals the scale of the threat and how firms are strengthening prevention, recovery and employee preparedness
The real AI divide in the mortgage industry
Q1 2026 origination costs averaged $11,898 while lenders earned $727, or 16 bps, in pre-tax production profit
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