While this is a cynical thing to say, unfortunately it's rather true in my experience. When I was younger I briefly worked for Wells Fargo as part of their mor

While this is a cynical thing to say, unfortunately it's rather true in my experience. When I was younger I briefly worked for Wells Fargo as part of their mortgage pipeline. It was immediately clear to me that their quality control system was deliberately designed to incentivize employee fraud in favor of getting mortgages sold.