do all mortgage originators sell to the secondary market 
not all mortgage originators sell their newly originated loans but most do mortgages represent a good amount of risk and most lenders want the quick profit of selling the mortgage to a larger entity 3the bottom linemortgage originators work with underwriters and loan officers to confirm and process your mortgage but they will seldom keep your loan for the long term if you decide to have a mortgage broker originate your loan take the time to research and compare different broker costs services etc before you make a final decision if you find that the downsides of working with a mortgage broker outweigh the benefits then a mortgage banker may be a better option 