To help define your question there are many types. What matters is the person's heart, caring, knowledge, connections, and ability to never give up until closed.

Mortgage broker- can go to banks, can do non QM, can do niche

Mortgage banker- funds with own line and like above does every type of loan

Loan officer at a bank is limited to only the FICO, ins and outs that the bank can sell. Lowest paid in the industry wants the w-2 great credit deal

Loan person at a credit union has a bit more flexibility than the bank man/woman

Use the mortgage loan officer that will best meet the needs of your client.

I PREFER a broker.

However, Quicken Loans has been the easiest and least problematic of ALL  mortgage lenders the past 4 years.

Here in Florida, many buyers have fat 401Ks that make lending EASY. Less qualified buyers, especially those without w-2 incomes may find the local mortgage broker a bit more agile.

Mortgage broker vs big box bank every time. They can usually do more & have more varied products. They most often have better experience levels too.

Steve,

A rule of thumb is I call people's specialties by how they refer to themselves.  Keeps you out of trouble. A

I am not really sure what your questions is.  sorry.  

I am anti-Big-Bad-Banks! 

I am 100% mortgage broker but not just any mortgage broker. It must be an amazing broker that provides the highest level of service. They can also offer a variety of options where the banks only sell what they have to sell. 

Mortgage broker is most preferred. 

Most of my lenders are mortgage bankers.

bank loan officers vs. mortgage brokers.... currently bank loan officers.  But it depends.  I have followed one guy from wells fargo, to a broker and now back to a bank.

I am not sure what your question is but I am going to venture an answer anyway.

If I am making the referral to a lender, it is to a mortgage broker with whom I have a good relationship.

If the buyer is already approved, it is more often through a major bank lender.

Brokers are needed when they are needed and the good ones perform well

We require Jason E. Gordon on all escrows here in San Diego, beyond that, I have no idea what your question is???

We have all kinds and they all bring something to the table.

We're a mortgage broker shop. We pride ourselves with having flexibility and lots of options to get the borrower to the closing table.