[cynthia]

I’m not going to explain how Yellowstone works, people pay for that. As far as the old thread re: I shut it down with my last comment end of story

Don have you ever been an ISO rep?? They have plenty to do with selling the merchants file to underwriters and negotiating within the lender to get offers that brokers can sell, and to catch things that can be overcome within that lenders funding process. Yes they sell, and thats in ways to help deals get done not just to get submissions. a myth is how you view things, not how it actually works.