We are all aware that the mortgage industry is beginning to embrace technological delivery of services. What may not be obvious is the dramatic changes that should come about when these changes are fully implemented. This report is an attempt to get a handle on those changes and what they mean for industry participants.

To analyze the coming mortgage superhighway, we set up the "perfect" case of a mortgage that is originated largely without human intervention. The computer program that guides the mortgage is called HAL, after the computer in one of our favorite movies, "2001: A Space Odyssey."

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