On the heels of the State of the Union address, the MBA has issued its annual State of the Mortgage Industry release, and the assessment is generally positive . The consensus was that states hit hardest by the housing crisis will continue to deal with the aftermath but that 2012 should see some degree of recovery. The MBA pointed to a number of recent upticks. Upheavals in the single family market have actually helped the multi-family market, for one. The rental market has seen some very positive...