Credit unions facing a  lack of available and  affordable mortgage loan professionals should not look for the staffing challenge to ease anytime soon, according to housing finance executives and consultants.

Although the executives and consultants disagreed slightly in their understanding of the problem's history, all agreed that its roots rest in the housing finance meltdown of 2007 and the subsequent housing sale slump that has not yet brought back a trained and flexible labor pool in all parts of the country.

"Can we be brutally honest here," said Joseph Parsons, a founder of PFS Funding, a California mortgage brokerage, "for a time in some parts of the country, all you had to have to get into the mortgage lending business was an ability to fog a mirror. But things aren't that way anymore, and that's a good thing. But it's also means the industry's  barriers to entry have risen."

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