What's it going to take to get banks back into mortgages?

Key Insight: Experts say even if regulators recalibrate capital standards, structural and competitive realities that did not exist before 2008 are the biggest drivers in their dwindling market share in mortgage origination and servicing. Nonbanks now dominate the sector, aided by leaner cost structures that are built for rate volatility — advantages that banks will have a hard time imitating.Expert Quote: "Everybody's looking for that one magic bullet. There's no one magic bullet here. A series of changes s ...