For the first time in years, mortgage originators are making significant progress in improving efficiencies and reducing costs at the point of sale, where consumers first interact with originators.

Until now, the industry has focused on its internal systems -- improving the speed with which paperwork is handled and reducing the number of people handling it once it reaches the processing offices. In many cases, major nationwide competitors invested heavily in building their own systems, but many never produced the desired productivity and sales results.

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