What is the minimal structure needed to insure a profit for mortgage lending institutions?

I want the fewest number of hands picking my pocket, when I choose to buy a home. I want my mortgage to be held by an american co. in my state. I want the loan originator to build my locality with the profits it collects from my loan agreement. Is this too much to ask?
Have you folks any responsibility to your immediate government? I see a level of immoral intrusion being allowed to operate in a place that must never allow that. Have you no conserne for the consequenses of your actions? Are you truly vested in one-upping your neighbor/life-long-friend, at all expense?

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