Involvement of the mortgage broker in the origination industry is changing and growing rapidly. Ten years ago, almost 100% of institutional mortgages were obtained by consumers at the bank branch. Today, mortgage brokers account for 25% of mortgage originations and bank mobile sales forces account for another 20%.  The mortgage brokers' current 25% market share is projected to increase to 50% in the next five years. In the U.S., penetration by mortgage brokers has already reached over 70%.