I suspect they are allocating fixed costs to a fewer numbers of loans.
As Resident Biden* continues to destroy our economy, a lot of businesses are going to either ruthlessly slash overhead or go bankrupt.
Even during the best of times, one should toss nickels of overhead around as if they were manhole covers. In hard times, you need to become even tighter about overhead spending.
The one exception of course is government. The bloat will continue, and debt will exponentially grow, further wrecking the economy.
Those who worship the fantasies of Herbert Marcuse and the Frankfurt School of Economics [the same wonderful folks who gave you Critical Race Theory (CRT) and Diversity, Inclusion, Equity (DIE)] believe that governments can print infinite amounts of money without increasing inflation as long as unemployment does not drop to zero.
Realists know, and current events show, that a massive collapse is coming. You could liquidate all of the public, corporate, and individual wealth in the world today, and you would be more than $17 Trillion short to pay off the current debts of the First World and Second World nations. That does not include the Third World hell holes, or the unfunded future liabilities of the First and Second World nations such as Medicaid, Welfare, Social Security, Medicare, and government pensions.