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Thank you for sharing your feedback. Our staff is delighted to hear you enjoyed our training and team-building environment while employed. Despite your impression that we pay our employees low salaries, our compensation is reviewed regularly in partnership with the Mortgage Bankers Association (MBA) to ensure our competitiveness in the marketplace. Additionally, we have a bonus structure that incentivizes employees to hit their targets. The NFM Lending Family celebrates most of the federal holidays. Employees within their first year receive up to 22 days of Paid Time Off (PTO) as part of our comprehensive benefits package. We value all current and former employees' opinions and are committed to addressing any issues you may have. We encourage you to contact your dedicated Human Resources Generalist to discuss your perspectives so that we may provide closure as you move on to your future endeavors.