One solace that modern mortgage lenders have taken comfort in is the knowledge that if this business was easy, everyone would be doing it and there wouldn’t be any money in it. Modern mortgage lending is hard. It’s like being asked to dance a traditional Russian Prisyadki on a minefield. You never know when you’re going to trip one of those shiny new laws designed to protect consumers from themselves and their bankers. But, on the plus side, you can make a lot of money in the home finance business. Just ask Lloyd Blankfein.