“A fine is a tax for doing wrong. A tax is a fine for doing well.” Lenders sometimes grapple with the former, always deal with the latter. In my travels around the nation visiting with residential lenders, what else has their attention? Loan officer recruitment, the area with fabled signing bonuses over the last year or so, is heating up. After two great years and a reduction in pipelines, some MLOs are searching for new homes or at least taking phone calls from recruiters, testing their worth in the open marketplace. Home equity lending is surging. This is an advantage that bank...