[Moonman62]

And the articles themselves are incorrect. Go to a major lender directly (Wells Fargo , BofA) and you won’t pay those higher rates. The major lenders are raising the rates “through brokers”, not directly

That makes sense if they want to eliminate the possibility of fudged paperwork from the brokers. In other words the brokers won't be sending them any more business.

[HereInTheHeartland]

“That makes sense if they want to eliminate the possibility of fudged paperwork from the brokers.”

I don’t want to pick on them directly because there are some good ones out there.
But yes that is what appears to be going on.
The major banks/mortgage lenders have really strict compliance and quality control things place.
Sometimes they seem to border on the ridiculous, but they are in place for a reason.