Horrible, horrible, horrible, horrible leads. They want to specialize in USDA loans, and these loans have some of the worst applicants you can imagine. It's almost impossible to qualify and close a customer. When you do, they are typically very low loan amounts (below $200k). On top of that, the rates for this new bank are very poor. You will pretty much always get beat by someone else, and lose a lot of customers to competition as a result. Don't put yourself through this grind!