I am currently a Loan Officer Licensed in California and would like
information on starting my own brokerage.  Most are tight lipped about
this subject.  Questions:
Do I need a broker license if I incorporate?
How do I become a direct lender?

Do you mean the lenders are tight-lipped?  There are many lenders.

AF went out on his own and started his own shop.  It's
www.ushomeloan.com and I have no affiliation since 2002, he is just a
nice guy and AF.  I remember he talked a lot about meeting net capital
requirements and how his personal financial situation was important to
the lenders.  So I imagine you would want to make yourself look as
good as possible on paper.  Your relationship with the lender is
important.  They want you to send them both quality and quantity of
business.  You  need to be a detail-oriented processor who sends them
files that they don't have spend time re-arranging.  Also, they judge
you on your character.  They will trust you not to lie on apps.

Research the various state laws.  Even if a license is not required it
is often a good idea.  Good luck.