We're really asking an 80/20 rule question. The premise is that some % of loan leads acquired as "easily" acquired, and, as such, would be easily acquired by AI too.
Under the 80/20 rule, 80% of of "whatever" is easy and 20% is hard (and 20% of the 20% is REALLY hard!)
If we assume low-volume MLOs are low-volume because they do not work particularly hard at their job, can we assume they are the "easy 80%" that AI will cannibalize?