Organization plays a big part of increasing the efficiency ratio. The computer helps, but proper organization, methods, time and motion features implemented, using management exception reporting, etc., is the key factor. Most Mortgage Lenders throw people at problems.  The probelm is best solved with organization, proper controls and managing the 'loan servicing team.'

By using the MC OFFICE Software, a company should be in this bracket.

** With excellent organization and mangement skills, you can reach the top level.