Are you gradually eating dinner earlier? Join the trend. Want to know another trend that isn’t so benign? Along the lines of the STRATMOR piece below, I received this email over the weekend. “Rob, I’m a processor at a lender who was doing about $80 million a month in 2020 and 2021 but is now doing $15 million. We saved money during those years and retained servicing. But now we’ve eaten through our savings, sold all of our servicing, had some Agency buybacks, and are barely breaking even. We’ve moved to entirely best-efforts execution, outsourced as much as we can, are continuing to lay people off, and are shedding unused, expensive technology. Where will we go from here?” That is a rough note, but, if it is any help, you’re not alone out there. It’s going to be a difficult autumn and winter, and lender management not doing anything is similar to an ocean swimmer being caught in the waves while everyone is telling them to swim out past the breakers or in to the beach. (Today’s podcast can be found here and this week’s is sponsored by Built. Built is powering smarter and faster money movement for the entire construction and real estate ecosystem, all while reducing risk. Hear an interview with Nationwide Processing’s Guru Amrit Khalsa on offshoring operations and reducing fixed costs for lenders.) Lender and Broker Software, Programs, and Services Since hitting the scene, SimpleNexus’ single sign-on simplicity and mobile convenience have raised the bar for what mortgage technology should be. Now an nCino company, SimpleNexus is backed by a new wealth of resources that will raise the bar even higher. nCino has already harnessed the power of AI to fuel data intelligence and automation across every aspect of banking. For an up-close view into how nCino is using AI to redefine the customer lifecycle and banking as we know it, join us via webinar tomorrow, 9/26, at 11 a.m. ET. Register now for a front-row seat to how nCino is shaping the future of financial services.