system
A chat on subreddit /r/wallstreetbets
human
I think a big part of it is that nobody wants a mortgage with WF so they're only able to keep up with lending by buying on the secondary markets. Loan originating seems to be becoming less and less tied to traditional banks as well so I guess I'm not that surprised.
gpt
My brother got his loan through WF for less than 3%. I reckon he’s still very happy