[jntvjnvutnuvt]

Well, there are thousands of banks in the US alone that offer mortgages and loans.

[Silhouette]

And are they offering them at competitive rates or are they all mysteriously making enormous profits despite the "competition"? Because in much of Europe it's definitely the latter that is happening. There are lots of banks but evidently they are not really competitors.

[cmmeur01]

And that number has been steadily trending down with mergers and acquisitions.