“Honey, what did you do today?” “Well…” People do some cockamamie stuff against all odds. What are the odds of a lender or LO retaining their client after the loan has been brokered out or the servicing’s been sold? UWM released KEEP, “an industry-leading technology that utilizes AI to send pre-validated refinance opportunities as soon as a borrower is able to obtain meaningful savings on their monthly payment.” (More below.) “Rob, I recently interviewed at a broker shop that, as it turns out, is sending over 95 of its loans to one wholesaler. What are the odds? Does that sound right to you?” Many will argue that a broker’s duty is to shop multiple wholesalers for every loan, knowing that one company is not going to have the best product, price, and service every day for every client. Or even near that. Therefore, if indeed 95 percent were sent to one wholesaler, that would defy all the odds. What do you think the odds are that every home builder out there employs immigrants of one size & shape or another? I’d say 100 percent. Hate to be the bearer of bad news, but every construction company uses immigrants to build America. Some will claim that they literally have built America. (Today’s podcast is found here and Sponsored by Richey May. Richey May’s consulting, cybersecurity, business intelligence, and automation services are designed by mortgage experts to help you continue to drive growth and increase profitability. Hear an interview with LodeStar’s Alayna Gardner, AMP, on how her podcast (Lending Leaders) and other conversation-based content focused on thought leadership is ushering in a new era of content marketing.)