Pros
I guess you could say the culture is a pro, but that doesn't get you very far.
Cons
Let's start with the obvious- costs to your borrowers. They charge far too much, and if you want to feel comfortable about what you do as a banker, this isn't the best place. Rates are comparably higher on same products from where I came and where I went by 1/8-1/4. Meaning they cost more, and they have higher rates. I was in a Cleveland office where I couldn't help but feel they had no interest in keeping the doors open. They managed their dialer system so poorly that we could go hours without calls, and they'll tell you to "clean your cache and cookies" as if doing this once an hour makes the phones magically work. (Realistically there was unfair lead flow, to the point where this was trackable amongst some bankers) The leads themselves go a step further, typically the cheapest leads in the industry, getting called by "account managers" who are college kids who don't verify even an INTEREST in talking about mortgages. You could get a transfer from someone thinking they're talking to a doctors office. They gave someone a management position whom hadn't closed more than 3 loans there. He single handedly closed a branch by killing office morale after I had left. Not surprising. Coming from FDIC? Like working in a lot of states? Have states you prefer to work in? Too bad. They're going to give you 7 states and have you pay for everything along the way. It was funny for me, as everywhere I had ever been paid these for you without a single question. There's was a particular manager who oversees Columbus and other offices, whom would always say he was doing one thing or another for you, and he flopped EVERYTIME. I had asked for an example of something since my first day, and had been told I'd get it each time I'd seen him after that. They also do fake contests, where someone will clearly win, and then months will go buy after the prize was "ordered" by this individual, yet it never showed up. They quit and immediately after they were joking how they no longer had to order it. Be smart. Review your options. Get a print out of volume closed versus how many bankers to determine if averages are worth it. You'll find in DTC even their best make less than 80k a year.