mystery of who cuts?

I never fail to be amazed when a borrower is short of money or the bank has conditions that limit amount that a borrower can bring to complete their closing,
The lenders look to the title company to "cut" fees.
Amazing because the "fees" that we charge are the least of all the costs involved in getting a mortgage. Title insurance premiums are filed rates that can not be altered in Ohio and the underwriter takes a % of that. The title exam is not "free" information. The fee for the search and labor is basically a wash. The settlement fee is a bargin considering the time spent preparing all of the paper work.
Most everything else we collect is just that - we collect to pay others for their service such as recording fees the county charges. When a borrower needs to have fees cut, why is the title company asked to be the "cutter"?
If we don't cut- the lender won't use us again.
We're damned if we do and damed if we don't!

Is it really getting any better?

Do you see what I see?
I see the signs of improvement in this market.
The refiers are busy refing because lenders are lending and the rates are very attractive.
The is a significant increase on the number of sales that are closing.
Our Smart Start sellers are getting more activity from potential buyers and many of them have
sold through real estate agents.
Do you see an increase ?
Our phones are ringing with consumers checking on title fees.
The economy will get better as the real estate market improves.
Do you agree?
I'd like to know.