Mortgage brokers who do not have FHA approval who want to refer FHA business to the bank have approached many banks. Since the brokers want to be paid, they propose to perform origination services for the banks. Such outsourcing arrangements are not permissible if the mortgage broker is not FHA approved. According to HUD, contracting out loan origination services to a non-FHA-approved entity constitutes impermissible "net branching". The article gives 14 tasks identified by HUD that are part of loan origination.