Yes, and it is a normal part of how the mortgage business cycles. When affordability tightens and fewer people buy or refinance, total loan volume drops, and some companies and individual loan officers decide the reduced business is not enough to sustain their operations. Large and small lenders both thin out in those stretches, the same way any industry contracts when demand cools and expands again when it returns. We have made that kind of call personally in slower parts of the cycle, stepping back from actively originating even when it was still possible, simply because the volume did not justify the hassle at that point. For a borrower, the practical implication is small. Plenty of capable lenders remain in any environment, so the exits are mostly a reminder to work with someone established and committed to the business, rather than a reason to worry about getting a loan at all.