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I don't see how it's possible, but here's the POV of someone in a position to say so at Citimortgage. Not much detail, but...

The loan underwriting process may get more difficult for originators and consumers before it gets easier, a Citibank director has said. At an industry conference last week, Ray Romano, director of Originations Risk Management for Citibank said that mortgage bankers are having a difficult time joining common sense underwriting and the QRM and ability to repay rules, according to a Houston Chronicle report. He and other industry professionals were speaking at a Houston Relocation Professionals (HRP) event entitled: "Current State of the Mortgage and Appraisal Industry," at the Houston Country Club. Rising interest rates will affect applications and loan approvals, too, said Thomas J. James, president of Premia Relocation Mortgage, the report said.
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