The Merger of Banks A mental picture that is simple to formulate is the look on the neighborhood mortgage banker's face if a would-be customer walked in without warning and without proof of having any financial worth himself, and proceeded to announce that he had found a property without any great distinction, that may be somewhat structurally weak, possessed only questionable appeal, was not in the greatest of neighborhoods. And for all that great value and “exposure,” he wanted to offer only three or four times its market value? Oh yes, he also wants to repeat the process the following month with a different property. The commercial, private or mortgage banker would summaril