Sounds like they are moving in a direction towards commercial banking, but not marketing the change very well. A lot of retail banking has changed with mortgage applications going online and through brokers like Loan Depot and various credit unions. A lot changed during the pandemic when branches were closed to walk in customers. Even so, mortgages from all sources mostly end up being sold to Fannie/Freddie and rthe customer pays an application fee that should cover expenses. I'm sure we'll hear more over time.
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