Basically, back in the day, the self esteem of the individual borrower determined the deal they got, since the MLO could just tack a pre-payment penalty, make it an ARM, bump the rate, etc, and get paid more for every little "feature" they shoved in (so if the 'true' rate bump for your 680 FICO was 0.25%, they'd bump it 0.75% and get paid more for the 0.5% difference... in this world loan shopping obviously made a huge difference).

@J Scott Wow what an honor having such an esteemed guest respond.Thank you so much for breaking that down.

Short answer "Narcissistic Supply"Narcissistic supply is a concept introduced into psychoanalytic theory by Otto Fenichel in 1938, to describe a type of admiration, interpersonal support or sustenance drawn by an individual from his or her environment and essential to their self-esteem.[1]The term is typically used in a negative sense, describing a pathological or excessive need for attention or admiration from codependents, or such a need in the orally fixated, that does not take into account the feelings, opinions or preferences of other people.Keep in mind, narcissists need lots of money to keep up their facade.

My comment to the esteemed attorney was more in reference to "uniform law". 

If an agent is embarrassed to make any offer, they are not a strong agent and lack self esteem. 

I simply want to make sure I esteem my Realtor relationships and not take the for granted.

@Ashish & @CameronThank you esteemed gentleman.

So my self esteem is crumbling around me.Now the few things about me that I missed along the way. 

Norman Podhoretz , the editor at large for Commentary magazine (I recommend that you take a look at this magazine even if only online) said it best “ Creativity represents a miraculous coming together of the uninhibited energy of the child with its apparent opposite and enemy, the sense of order imposed on the disciplined adult intelligence. â€Self esteem and self confidence are also at stake.

I am sorry if you hold Walter in high esteem.