Top banks in the mortgage space, which have relied on a similar playbook for years, say they could become more active if upcoming changes to capital rules provide more flexibility, several industry executives told HousingWire. But any shift in strategy is expected to take time.

Depositories typically focus on their existing customer base, ranging from wealthy clients to first-time homebuyers, with a heavy emphasis on standard 30-year fixed-rate mortgages. Originations are largely driven through loan officers in bank branches, while call centers pursue refinancing opportunities. Most banks have avoided investing in the wholesale channel.

Some institutions instead position themselves details ⇒

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