I work for a major insurance company now in the mortgage business as well.  Over the past 2 months, we have seen dramatic increases in "risk aversion", denying loans despite DU approvals with 720 scores, sourcing ANY deposit in checking accounts, ect.  My poll question suggestion is:

In the last two months, are you finding loan conditions:

Much more stringent, everything is harder.

A little worse, but nothing that significant.

About the same as they were.

Thanks,

Ted Rood