After slowing to a 30-year low in 2023, the gears of housing finance are re-engaging. But before diving back in headfirst, it would be worthwhile for lenders to think through what the last two years of scarcity reveal about the normal working model of an independent mortgage bank (IMB).

Last year, Floify commissioned an independent study of 150 high-performing loan originators (LOs) to gain recruiting and retention insights. It comes as no surprise that, in the process, LO feedback also uncovered mission-critical operational lessons for the lenders that employ them.

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