Internet technology and RESPA reform will change the way banks conduct mortgage business. Most banks specialize in good-to-perfect credit borrowers. Compared to big banks and specialty mortgage companies, regional and community banks tend to tread more carefully. The article informs that mortgage brokers typically receive a yield-spread premium, essentially a markup of the wholesale interest rate. Under RESPA reform, the effective annual percentage rate, or APR, for the yield spread premium would have to be disclosed under Truth in Lending guidelines.