> I would argue lenders like better.com are winning so much business is because they simplify the process. I feel like if somebody picks a lender and gets sent

> I would argue lenders like better.com are winning so much business is because they simplify the process. I feel like if somebody picks a lender and gets sent a stack of paperwork, they're committed. They're not going to back out "because the paperwork is too complicated" and choose a competitor, and ask their sales people "How long is your paperwork?" So I'd be skeptical that "complexity of the legal agreement" is at all a factor.