The mortgage industry has long been defined by a divide between retail and wholesale channels, but that line is blurring. At NEXA, our strategy from the beginning has been rooted in access: access to products, access to flexibility, and access to speed. Traditional retail lending comes with overlays and internal inconsistencies. One underwriter may approve a loan that another denies. That frustration led us to focus on wholesale, where we could operate more efficiently, reduce friction, and...