The issuance, re-selling and servicing of mortgages has become such a tangled mess that some consumers are beginning to seek out banks that will retain the servicing of the mortgages they originate and maintain direct relationships. "We definitely have seen a change in consumer behavior where they're not concerned about going online and getting the best deal possible, they're more concerned about dealing with someone they know," says Marti Rodamaker, president of Mason City, IA-based First Citizens National Bank.

Cy Brinn, the president of Metavante, whose company offers mortgage and consumer loan origination systems, also says he's heard from community banking clients that there's been an increased call for service-retained mortgage loans. "Consumers are interested in finding lenders that will actually hold their mortgage, so that they don't have to worry about getting lost in the shuffle as servicing-released loans are traded over and over again," Brinn says.

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