text: I may be dim but I wish the author had explained all this more clearly...
  National was getting mortgage business directly,and also through brokers...?
  Now it wants to do it directly ??
  Why did it use brokers originally ??
  The whole (capitalistic no doubt) veiled $$ relationship between banks and mortgage brokers confuses me and this article did not help.
  The "online" angle is a side story,and not a new one.