IMB Banking and Financial Services will no longer offer residential loans through mortgage brokers, effective from the end of this month. The Wollongong-based lender cited cost of funding issues as the reason.Low value commercial lending products will continue to be offered through existing broker channels, with a broker still able to originate a residential loan when a commercial loan is originated from the same client.Growth in residential lending has already ground to a halt at IMB, with the outstanding residential lending book growth almost flat in the first six months of FY08 - increasing just $51 million to $2.9 billion.IMB residential lending for financial year 2007 was well below system, increasing less than seven per cent.