Recently, a number of factors have come together to decimate the profitability of the mortgage banking industry. To regain its footing, the industry must return to mortgage banking fundamentals.

As vice president of product management for Financial & Risk Management Solutions at Fiserv, Inc., Jay Coomes directs the product strategy for Enterprise Content Management products and process automation solutions from Fiserv. In this point of view paper, Coomes carefully examines each function within the mortgage business to determine if there is a better approach that will save money and improve long-term profitability.

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