I cant speak for all, but in our business the trail covers...

I cant speak for all, but in our business the trail covers office rent, loan packagers and secretary wages, phones, cars and marketing costs. The commission covers wages for the broker in the office. The trail is easily the bulk of the income that we generate. At the time of peak market. it was about 50/50. right now with the market so low, trail is about 70% of our revenue and commissions only 30%. A $2k fee for service with no trail  would be a massive income reduction for us. We would need to write far more loans to cover our costs, which would require even more staff which would require us to write even more loans. Truthfully I dont know if we could even survive as going concern. The work load from compliance requirements has trippled the last few years and there simply isnt enough time to write the volume of work at $2k a pop that would be required to maintain a viable business. This is also not to mention that mortgage choices 20% cut would probably have to increase.