Some folks in the mortgage broker community have been suggesting that operating as a mini-correspondent will help brokers avoid points-and-fees complications with the qualified mortgage definition under the CFPB’s ability-to-repay final rule. As it stands now under the CFPB’s rule, lender- paid compensation will have to be counted in the 3 percent compensation limitation for qualified mortgages. “The broker segment continues to mull over the final ‘final’ rule from the CFPB regarding compensation,” said mortgage broker Rob Chrisman in...