Mortgage Net Branching

Are you one of the many Mortgage Brokers or individual Loan Officers considering opening a "Net Branch Office" of a larger mortgage banking institution? Or, are you a Broker considering your own warehouse line(s) of credit to expand your brokerage into mortgage banking? With RESPA reform and field compliance issues burgeoning, the flight to the "banking" side of the industry is accelerating. Why? What are the advantages of Mortgage Banking and "Branch Partnership" arrangements?