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Many mortgage lenders charge a fee for their services. Retail lenders provide mortgages directly to consumers. Direct lenders originate their own loans, either with their own funds or borrowing them elsewhere. Portfolio lenders fund borrowers’ loans with their own money. Wholesale lenders (banks or other financial institutions) don’t work directly with consumers, but originate funds, and sometimes service loans. Correspondent lenders are the initial lender making the loan and might even service the loan.

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