LAS VEGAS — Credit unions shifting housing finance programs from refinancing existing loans to originating new loans mayl have to fire significant numbers of existing mortgage staff, according to a housing finance consultant.

Pat Sherlock, president of credit union and bank finance consultancy QFS Sales Solutions in Medford, N.J., told executives attending the American Credit Union Mortgage Association's annual meeting Monday that researchers have identified nine traits that top producing mortgage originators share. 

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