Top three changes in banking profitability

The top three changes affecting or detracting from a bank's profitability are the following:
Increasing overhead - primarily due to escalating real estate prices and health benefits increase.
Online lending - Non traditional banks have gained a foothold by leveraging the internet.
Mortgage Brokers - Mortgage Brokers have gained more than 70% of the mortgage origination market over the past decade. Mortgage Brokers sell originated loans primarily to large wholesale mortgage servicing companies which can offer sharply reduced mortgage pricing as they do not have the same high cost or overhead as a retail bank branch. Therefore a retail bank may be competitive in the mortgage lending field on a retail basis, but not able to offer a comparative wholesale program to mortgage brokers. Therefore the mortgage brokers often sell the bulk of originations to large mortgage servicing companies.