“What do Costco and Las Vegas have in common? You go to buy a gallon of milk, and it costs you $285.” There isn’t a lot of autumn foliage here in Las Vegas, but if you’d like a map of the fall colors, here you go. I’ve received a few comments about how the industry is changing, and in curious ways. There is some creative thinking out there. Along those lines, I received this note. “Rob, have you heard of a title company franchise where LOs and brokers keep title fees, and “own the revenue stream yourself”?” Yes, I think that you’re talking about Proliant Settlement Systems. Does it mean that you could have real estate agents, loan officers, and title officers all working for one company? I don’t know… ask your attorney. Every lender has an attorney these days, right? And innovation is out there. UWM and Bilt announced a strategic partnership whereby UWM mortgage customers can “earn valuable Bilt Points with each on-time payment while accessing exclusive Neighborhood Benefits™, creating an entirely new value proposition for both homeowners and the independent mortgage brokers who serve them:” here. (Today’s podcast can be found here and this week’s are sponsored by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite’s three core products nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics, unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. Hear an interview with Secure Insight’s Andrew Liput and Halcyon’s Kirk Donaldson on their integrated solution that combines borrower identity, income, and settlement agent verification into a single secure workflow, enhancing mortgage fraud prevention and compliance.)