Competition in the mortgage business appears to be at an all-time high, as lenders consistently jockey to out-duel their competition in any way possible to win over the hearts of consumers and loan officers, alike. Disagreements are common and sometimes become public – like recently, when leaders from throughout the mortgage industry spoke out against comments made by prominent speaker Gary Vaynerchuk, who slammed homeownership, calling it a “bad use of upfront capital” and “not smart”.