Big Banks are Originating the Vast Majority of the Market Share

``At the same time when breaking the big banks apart was being considered, most regulatory and statutory decisions that were made over the past two years were done in favor of the big banks. Infused with taxpayer capital and takeovers of other failing large institutions, these banks became bigger... They are now able to offer aggressive, competitive and lower mortgage rates than the smaller players due to their lower fund costs... [but] most have opted to give out higher rates for bigger profits.''