I feel the most important system to establish in any business is a lead generation.. Without customers there is no business. But whats even more important is to make commitment to work and implement at least two to three good marketing lead generation systems.. Work leads within the branch generate business thru referral sources like builders, realtors, insurance agents, contact expired listings, for sale by owners, cpas- they have clients who are buying or selling a home who may need to refinance or cash out.. Appraisers.. Hud foclosures huds website, other lenders or banks or credit union loan officers but lists: Neighborhoods properties with no mortgages older then five years etc..Military transfers..