What Is Now, Next, North?
Now, Next, North: A Practical Philosophy for Agile, Continuous Improvement In fast-paced industries—from lending to logistics to software—leaders are constantly pulled between fixing today’s problems and preparing for tomorrow’s challenges. The smartest organizations don’t choose one or the other—they balance both with intention. That’s where the Now–Next–North framework comes in. This simple but powerful approach helps teams […]
Why Mortgage Origination Costs Keep Rising While Productivity Falls
A Technical Consultant’s View on What’s Really Driving Lender Expenses It’s no secret—mortgage origination costs have reached record highs. According to the MBA, the average cost to originate a loan has climbed well past $11,000, with some lenders seeing even higher figures. At the same time, loan officer and underwriter productivity has dropped significantly. Everyone […]
The Backlog Breakthrough: Why It’s Time to Bring in Experts to Finish What’s Falling Behind
Every company has them. The strategic initiatives that looked great on a slide deck six months ago—but are now collecting dust. The automation plan. The compliance redesign. The data migration. The LOS optimization. The borrower experience overhaul. They’re too important to abandon, but too resource-intensive to tackle with your current bandwidth. Internal teams are maxed […]
Rethinking the LOS: Lenders Should Stop Building Around It and Start Building Beyond It
For decades, the Loan Origination System (LOS) has been treated as the beating heart of mortgage operations. Lenders spend millions customizing it, integrating it, upgrading it—treating it as the platform on which everything else must revolve.
The 10-Day Mortgage: Why It’s Time to Challenge Everything You Think You Know About Fulfillment
The average time to close a mortgage in the U.S. is still hovering around 30 to 45 days. In 2025. With APIs, AI, and automated underwriting in play. Ask any operations leader why, and you’ll hear the same responses: regulations, documentation delays, third-party dependencies, and borrower response times. But what if we told you the real […]
Mitigating Credit Risk and Fraud: The Power of Source Data in Mortgage
In the dynamic world of mortgage lending, managing credit risk and preventing fraud are critical to maintaining a healthy portfolio and ensuring long-term success. As lenders face increasing pressure to optimize operations and enhance borrower experiences, leveraging source data has emerged as a powerful strategy to mitigate these risks effectively. Understanding the Value of Source […]