Bitcoin by itself cannot issue loans or mortgages. If that's what you mean. But it's possible you can get loans denominated in BTC through the use of smart contracts. The thing about Bitcoin is that enables anyone to be their own bank. So, you can do practically anything you want with it. As long as it's nothing illegal. You don't have to be a "big player" or wealthy person to start enjoying it.

All in all, I don't think Bitcoin will replace banks anytime soon. That's because they are "too big to fail". Even with Bitcoin and many other cryptocurrencies in play, banks are still relevant. So long as governments exist, banks won't be going anywhere.