Just my opinion by taking that approach with submissions banks are not going to go out of their way to get your business, I think its going to have the opposite effect. If you are submitting a ton of deals and not funding a good % then you are not going to have any leverage to try to get better deals with the banks (higher commissions, faster turnaround times). Maybe I am crazy but you make it sound like the ISO holds all the cards, I wish that was the case but it isn't. The bank has final say if the deal funds and they have tons of ISO's trying to do business with them, they are going to favor the ISO's that do right by them. Making a bank underwrite 20 files to only fund a small hand full is not gonna win you any favorability with the bank, its going to make them think you are a waste of their time