Not here. My loan was closed in the name of the broker, who immediately assigned it to the lender, who then likely packaged and sold it, retaining servicing.
Then the broker had what we call a warehouse line, and was technically a “banker” in a sense. Still affected by rate increases that aren’t applied to direct lenders.
As a borrower (which I assume you were) you as a layman wouldn't know whether your broker was in fact a broker, a banker, or a broker/banker. If I looked at your paperwork I could probably tell you.
Interestingly, a banker has different procedural and disclosure requirements than a broker, although a client wouldn't ordinarily know unless told which role his "broker" played. If your "broker" was in fact lending with his own dollars, then he is in fact acting as a banker, and not a broker. Because each term has implications, precision is important.
Without looking at your paperwork, I couldn't tell you. Even acting as a banker, he would have differing requirements depending upon whether he resold the note to another institution (or kept it) or was acting as a correspondent lender. In any of these situations he was in fact a banker, not a broker.
When I was in the business this was a source of great frustration for me. In many ways lending is the Wild Wild West of finance. There were issues clients needed to understand in order to make good decisions. I would go through a presentation where I would try to explain the issues involved so the clients could make an informed decision. I would ask if they understood, and they would say, "I think so...what will closing costs be?"
Clients would at times go with another lender who was ripping them off, but came in with fees $50 less. Borrowers are part of the problem, IMO.
I tried to approach the business much as a financial advisor would. Even now, I have prior clients call who are working with another lender, but need advice and call me. I had past "clients" who used me for advice only, while unknown to me they were doing business with someone else.
In hindsight, I was a fool...and that's why I have little patience or compassion for clients who claim to be victims. There's too little market for what we used to call "lenders for life"...and the customer, as we know, is always right. They're getting what they asked for, and finding out it's not what they wanted.
They claim to have been conned, but I say you can't con an honest man. These so-called "victims" are merely victims of their own poor judgment.