your ignorance of the profession does not constitute pretension on my part. The Loan Originator builds the loan. There's all these services available and all these creditors available and all these parts of the machinery and it is the Loan Originator that builds the loan and processes it ... everyone else just sells the paper. I am the mortgage banker; I was the guy you come to if you need a mortgage. That's what I did. I originated it. No one knows more about mortgage banking than the LOs... we were the ones that put the loans together. Everyone else is riding the gravy train, vying for our loans... it all starts with the LO.