Quicken Loans, who has more money than the top 10 players in MCA combined is making a huge play for loan automation with the 'rocket mortgage' program that you may have seen advertised. I believe this is a pilot that if successful will move to eliminate loan officer positions over the next 5-10 years. The technology and infrastructure is here, and the powers that be have implemented it. It's only a matter of time. As I always say, make hay while the sun shines.