Is it me, or do we really now see a Clear Separation between really good funders and ones who want to be good funders happening more and more? At first everyone offered the same thing with some slight variations here and there. Now I am seeing a huge difference between MCC, ODC, CAN, and some others VS places like Retail, ARF, BFS, etc......

The first group I mentioned (MCC, ODC, CAN etc) has same day UW, best programs and terms, aggressive rates for top ISO's and reasonable UW as well as actual UW's you can speak with, the next group is just too "low and slow" to the punch on everything when it comes to UW times, Terms, rates, UW Analysis, etc...... (or at least that's what I have seen). I can only imagine as the industry widens for the larger guys and shrinks for the others that these others will get pushed out just because they cannot compete with the big boys and only the ISO's who are stuck submitting to them will be submitting to them....... Anyone else noticing that?