The mortgage “industry” post 2008 largely consists of companies that act as sales or servicers for the federal government. If you are unhappy with the general

The mortgage “industry” post 2008 largely consists of companies that act as sales or servicers for the federal government. If you are unhappy with the general shape of residential lending in the US blame falls squarely on the federal government. Not just as regulators but as far far away the largest direct participant.