So recently I got permission from an agency to be an undercover client to determine how well prepared their agents were in English.

You can have an 80000 FICO score and $20m in the bank, but if you don't check all the Agency FNMA boxes, there's no back end subsidy, and any/all profit for the lender must come from borrower's rate and fees.A vanilla $500k loan might have a $1000 underwriting fee and get a certain rate, and consumers think the $1000 is the profit center.

Governing agencies cannot just change the setback, lot size FAR ratios, etc. and other requirements and deem the land no longer buildable.

Maybe things are different in Ohio.I'd talk to the managing broker at your Realtor's agency.  

The agency my present back secured this reporting information from is Core Logic.

And in this case you are looking at a bridge loan in the short term and then rolling it into agency debt down the road. 

Why in the world would I give 10% to some agency that does what I can auromate or handle in a few minutes a week?

Usury laws are the culmination of many different laws and regulations ranging from the state constitution to legislative bills to agency regulations.  

I use Hometown Title Agency.

Environmental and water agencies are very strict on waterways, creating silt that falls into creeks, cleaning out creeks, having any equipment in creeks, etc. with big fines if you do something wrong.