Because of multi-billion dollar penalties issued during the financial crisis, many big banks have been ditching mortgages, according to Mark DeCambre at Quartz.

“Big US mortgage banks like Wells Fargo, Citigroup and Bank of America, facing stricter capital requirements in the wake of the financial crisis, have been increasingly offloading rights to manage residential mortgages to lightly-regulated non-bank entities,” DeCambre writes.

In other words, the bank that issued your mortgage probably isn’t managing it anymore.

Read the full article at Quartz.