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Mortgage brokerages face scaling challenges as handoffs grow
HousingWire argues that reorganizing around the loan itself, with AI support, could cut coordination costs and reduce errors while preserving lender choice.
HousingWire says mortgage brokerages benefit from offering lender optionality, but that same structure can become inefficient as more handoffs occur across roles and systems.
The outlet argues that adding coordination work and process complexity can drive up costs, increase errors, and create greater uncertainty for files moving through mortgage origination.
HousingWire contends the industry has digitized individual steps while leaving people to connect fragmented workflows, and it frames this as an unresolved challenge for the brokerage model.
It says a loan-centric operating approach, supported by AI, could improve predictability and scale without giving up brokerages ability to maintain choice for lenders, products, and pricing options.