In other words, you are saying wholesale vs retail pricing?
The middle men group up a bunch of morgages that are cookie cutter the same, and sell them to a big bank for lower interest - getting a cut. Wholesale deal.
The smaller bank, credit union, etc. can pick through a deal & situation individually, but has to work harder to get there so they have the same intrest rate, can be more creative but are spending more time on each deal so it's like a retail sale - individual.
This is why a lot of people can get into a loan in a hurry if they fall into the cookie cutter formula; While people with unusual deal (more land, non-residential, non-traditional husing, etc.) have to really shop around to find someone willing to spend the time to put together a singular deal for them.
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Today's Featured Article - A Tractor's Point of View - by John Manley. I began my life on August 3,1941. I was actually built at different times and days but I was officially an M Farmall on August 3.I was real nice and shiny. That�s me, in the old picture, third from the left. I was loaded on that train and sent to a little town in South Carolina. I didn�t get to see much of that town. I was moved off the train fast and on to the dealer�s
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