With all the new Regulations, closing loans on the banking side, at a net branch, is much easier  these days, than brokering loans.

Certainly a big plus for net branch banking operations, with strong lending capacity. Correspondent pricing gives net branch companies an edge over brokers as well. Net branch operations that cover all E&O insurance,bonding, and license costs, may offset all or part of the costs of net branch fees and margins.

The new compensation rules, favor broker owners. Brokers, are now able to work from home and do FHA loans.

HUD approved net branch operations, will generally require a branch to maintain a commercial office space.