The average home purchase takes 40+ days. The limiting factor is virtually always the loan commitment time frame. The primary reason for that duration is that lenders need to collect immense amounts of data on the home being purchased, and on the purchaser. An Integrator could build a way for lenders to instantly access all of the relevant home information required to issue a loan. Additionally, they could build a module for privacy controlled personally-identifiable information such as income, credit, tax history, etc. If a lender were able to access everything they needed with an instantaneous integration, regulations notwithstanding, this would allow for an effective one-click process for purchases, refinances, and home equity lines of credit (HELOC’s). With the same information, they could also build an auto-refinancing mortgage that automatically adjusts as rates drop below an initial value.