The U.S. mortgage industry puts independent lenders in a bind. After originating a loan, these institutions are forced to hold the asset on expensive warehouse lines of credit while waiting weeks for intermediaries to package and sell the debt, tying up capital and racking up administrative costs that pushed  the industry average origination cost past $11,000 per loan back in 2024. ECGI Holdings ( OTCID : $ECGI ) is building the digital infrastructure to compress that timelin