so your saying for now, they earn their 1-3 point origination fees paid direct by lenders like your site, and, its a smoke screen to lend directly one day along with brokering? i.e. lendio?

funderas site states these are the companies they refer business to (but not limited to), which means the funders in house sales are doing the closing of the sale-

ODC/CAN/Funding Circle/Celtic Bank/Fundation/SmartBiz SBA