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Re:Anxiety Strikes $8T Mortgage-Debt Market After SVB Collapse by bradleyjg on Tuesday March 21, 2023 @10:42AM (#35246886)
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.

Re:Anxiety Strikes $8T Mortgage-Debt Market After SVB Collapse by richjdsmith on Tuesday March 21, 2023 @10:50AM (#35247017)
There’s a great book on this subject.

Lords of East Money by Christopher Leonard