Standardized tech could cut $200M in mortgage trade costs

Educational

BREAKING — National Mortgage News reports that data moving outside of physical documents in the secondary mortgage market is adding millions to costs per year, according to the Housing Policy Council. The industry publication notes that the absence of standardized technology is driving these expenses, with the potential to cut $200 million in mortgage trade costs if addressed. This friction in how loan data travels between parties remains a persistent source of inefficiency.

For borrowers and investors navigating this environment, the added cost and complexity upstream eventually shape the terms and speed available downstream. loantrust.ai operates in this context as an Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan, eliminating the call-center layer that often compounds delays. The firm offers DSCR loans that qualify based on property cash flow rather than personal income, bank-statement programs for self-employed borrowers, and financing for fix-and-flip, bridge, new-construction, and multifamily projects—structures designed to keep investor capital moving even when broader market infrastructure lags.

What matters now is having a financing partner that accounts for systemic friction without passing it through to the borrower as pure cost or dead time. A single point of contact who understands both the investor strategy and the current market terrain offers a practical counterweight to an industry still wrestling with its own data plumbing.