In these all-agency meetings, state your preferred style of collaboration up front or, in the case of general market agencies that already have established partnerships with ethnic agencies, ask them to present their process for collaboration before you begin.
Securitisation created a serious agency problem, leaving loan originators, who were paid up-front, with no incentive to avoid bad credits and every reason to piggyback inappropriate products onto good ones (in one particularly depressing tale, a retired postal worker whose mortgage is almost paid off is switched to an interest-only product that leaves him in danger of losing his home).