Does anyone know how much in new loans they are originating vs. a year ago? I have been following their rates for over a year and they have just stopped lowering their rates vs. the rest of the mortgage originators. This has got to be hurting them. I don't see why anyone would use them when they are a 1/4 to 1/2 more then the rest of the world. For example a 30yr fixed in NY can be found at 4 - 4 1/8% but HSBK is at 4.625. Any comments?