Questions on Different Types of Mortgage Loan Provider

What is the Difference Between a Lender and a Mortgage Broker? Between a Mortgage Broker and a Loan Officer?
What is the Difference Between a Retail Lender and a Wholesale Lender? What is a Direct' lender? A Portfolio Lender?

How Reliable Are Referrals From Real Estate Sales Agents? Trustworthy Friends Who Recently Borrowed? The Builder From Whom You Purchased Your House? The Internet?
How Safe Is it to Deal With "Name" Lenders?
Are Referrals From Real Estate Sales Agents to In-House Lenders Suspect?

Why Would it Be So Difficult to Create a Useful Compendium of Borrower Appraisals of Their Loan Providers?

Why Has Direct Government Lending Been a Disaster in Virtually All Countries That Have Tried it?

Under What Circumstances Is Mortgage Advice Provided by a Financial Planner Suspect?

What Do Mortgage Brokers Do?  How Do They Make Money?  What Are the Advantages of Dealing With a Mortgage Broker Rather Than a Lender?  Is It OK to Use a Broker to Find the Right Lender, Then Switch to that Lender? Is an Unsophisticated Borrower More Likely to Be Taken Advantage of by a Broker or a Lender?

How Do Mortgage Banks in Denmark Differ From Those in the US?

Should You Attempt to Determine Whether a Lender Who Contacts You by Telephone Is Reputable?

Who Should Select a Lender and Who a Broker?

What Is a Sub-Prime Lender?

What Is a Correspondent Lender?

Is Bank of America's No Fee Mortgage Plus Program Advantageous to Borrowers? In What Ways Does It Fall Short?

Why Is Service Quality in the Mortgage Industry So Poor?

Why Is It a Bad Idea to Rely on a Mortgage Broker or Loan Officer For Advice on Whether to Choose a Cash-Out Refinance or a Second Mortgage?

MY QUESTION IS NOT HERE.  I WOULD LIKE TO LEAVE IT FOR THE PROFESSOR