The consumer-direct mortgage model has rapidly evolved from a niche channel to one of the most efficient and scalable strategies in today’s lending environment. In this episode, we explore the operational blueprint behind its rise—highlighting how leading DTC lenders are achieving faster turn times, dramatically lower cost-to-close, and stronger customer loyalty by balancing automation with exceptional human service. We dive into brand-driven lead acquisition, modern retention systems, technology integration, and the cultural principles that keep teams aligned and motivated. Whether you're an IMB executive, production leader, or strategist looking to modernize your organization for 2026, this conversation reveals the real levers driving efficiency, profitability, and sustainable purchase growth in a changing mortgage market.