Hi all - Doing a little research for my firm. I had a quick question:

Where will banks see a strain on capacity in the mortgage lending process?

For example - 

Originations - Underwriting- Income analysis: With individuals wanting to refinance at historically low rates, there will be an increase of documentation being sent for processing  

Servicing - Loss mitigation: More individuals submitting "hardship" or modification requests to their current terms

Where else in the process will banks see constraints or an increase in needed capacity?