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Regarding large bureaucracies. I mean, do bank leaders actually believe mortgage clerks can sign 10,000 foreclosure files a month-or one per minute-and still give each file a proper review? Even if.

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The bond markets that underlie mortgage rates actually made a near-full recovery, but lenders remained more cautious in terms of their pricing strategies. Simply put, that means the trading levels in.

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The point is this: mortgage-backed-securities (MBS) are the raw ingredient lenders use to determine rates. MBS have been flighty and generally much weaker than Treasuries. Lender pricing strategies.

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