Where is mortgage technology going?

I agree the Automated Underwriting Systems (AUS) were misused as a “quick an easy”.  As a post closing quality control expert, we constantly made attempts warning lender of the data model manipulation to get deals done.   Now with new quality control initiative like Fannie Mae’s Lenders Quality Initiative (LQI) we are seeing more diligence and prefunding measures taken to prevent data model manipulation and back to the basics of thoroughly validating many Red Flag items like credit and collateral.  However, these processes are performed from many vendors and many of the processes are manual requiring the lender to perform additional steps in the prefunding QC process similar to the days prior to AUS.  Now that the focus is now placed on quality long term loans and not productions this will invite more mortgage technology opportunities and solutions in order to sere production, prefunding quality control and post closing quality control in order to reduce lender and secondary market risks.  It appears to me the technology shifted from seeing how many loans one can do to see how many loans will survive or one can keep.