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so Im going to address the 800 pound gorilla in the room this is a topic thats going to make some people really happy and its going to really piss some other people off and Im okay with that one question that I get frequently is why are interest rates not the same with different lenders Im going to explain that in detail today so that you walk away with a thorough understanding of the back end of how our industry works so Im definitely not trying to pick on any particular lender but just for the sake of illustration Im going to use rocket Pro just because theres such a well-known lender so when you see a commercial on TV and you docHub out for a mortgage to Rocket Pro you are going to speak to somebody in their retail Division if you were to docHub out to a wholesale broker they would have the option of taking that loan to Rocket Pro through the wholesale Channel which is in essence a completely different business now what are the primary differences between retail and wholesale