Byline: John Adams
Everyone's got an opinion on what caused the mortgage meltdown, but Andy Dubinsky's is one of the rare public criticisms of the market embedded with a forward-looking solution.
"You look at the loans and realize how shoddy they were put together," says the CEO of Encomia, a firm that's sold electronic mortgage lending technology to more than a dozen clients, including Bank of America, Fremont Bank and others. "You need transparency in mortgage lending, and you only get that through electronic records."
Dubinsky's not a big fan of paper, and is particularly sour on legacy mortgage processing that's a mix of paper and electronic …

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