A shift in recent years in servicing from banks to nonbanks has been pinned on the capital treatment for bank holdings of mortgage servicing rights, among other issues. However, a survey conducted by the American Bankers Association found that few small banks are selling MSR due to capital standards or other regulatory requirements. The ABA surveyed 159 banks as part of its annual real-estate lending survey. About 76.0 percent of the participating institutions had assets of less than $1.0 billion. Only 2.0 percent of respondents said...