Here at San Diego’s MCT Exchange 2026, one topic is, as it is at every mortgage conference, is AI. More specifically, using artificial intelligence to leverage the strengths of existing employees but certainly setting up “guard rails” in rolling it out, and in finite chunks rather than company-wide all at once. Another topic is the ramp up of non-QM in the primary and secondary markets. The book of business is performing well, although is definitely not “cookie cutter”: many