What does the mortgage banker primarily engage in?

The primary engagement of a mortgage banker is in funding mortgages. Mortgage bankers are involved in the process of originating, underwriting, and funding mortgage loans for both residential and commercial properties. They provide the necessary capital for borrowers to purchase homes or make investment purchases. This role includes assessing the borrower's creditworthiness, determining loan amounts, and processing the loan applications.

Funding mortgages is at the core of what mortgage bankers do, as they often work directly with lenders or financial institutions to secure the necessary funds for these loans, which are then provided to borrowers at various terms and conditions. This specialized focus distinguishes mortgage bankers from professionals engaged in other aspects of the real estate market, such as managing properties, conducting appraisals, or handling debt collections, which are related but separate fields.