Wholesale vs. retail
Retail banks and captive lenders originate for their own investor or balance sheet. Wholesale lenders publish pricing to independent brokers. Your credit, property, and lock period go to more than one of those lenders. The application does not get rewritten each time. That is how we stay a price leader without pretending to be Fannie Mae, Freddie Mac, or Ginnie Mae.
What you should refuse
Refuse a call center that cannot name the underwriter’s overlay. Refuse a “we are the cheapest” pitch with no Closing Disclosure math. Refuse a brand that is actually a marketing dba in front of a national machine you will never reach after application. Arrow is a boutique independent broker in Happy Valley. If we cannot win the file, we will say so.
What realtors actually feel
Service is not a survey score. It is whether the listing agent can get a human on the phone when the appraisal is late. Ross Foster originates the file. Erin Sanders, Loan Processor & Director of Operations, keeps conditions moving. That is unmatched partner service in a market that has been trained to accept tickets.