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Over the last couple of quarters, we have seen origination volumes go down by quite a bit. Mortgage lenders are rediscovering the broker-wholesale channel as a low-cost way to extend their reach and maintain volumes. While the retail channel offers lenders the highest gain on sale for their originations, it’s much more expensive to operate because of the costs associated with maintaining a network of physical branches and large payrolls. Having said that life as a wholesaler is no cakewalk. Their whole business depends on their relationships with brokers, and they can certainly......

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