Ben from the South wrote to me saying: "I have been struggling in the industry for several years. I just can't seem to get to the point where I can make a decent living. I see other loan officers that do not know as much as I do, yet they do better than me. If I had one thing to work on--what would it be?"

Bill Bodnar of The Mortgage Market Guide discusses the negative forces behind the spike in coronavirus cases versus the positive economic indicators, including jobs, reopenings and more. He also discusses how mortgage rates dropped to another all-time low and how there's a limit to how much better they can get.

Pinwheel, a startup offering an application programming interface for payroll data, has raised $7 million in seed round funding. So reports TechCrunch.