Don Layton, the former CEO of Freddie Mac recently penned what can only be described as an attack piece on mortgage originators from his seat as a fellow at the JCHS, Harvard’s Joint Center For Housing Studies. But what Mr. Layton has done is simple: perpetuate his ongoing disdain for the participants in the manufacturing of mortgage loans in the U.S. and, in the process, made some inaccurate assumptions as to causality.

The piece is titled, “The Policymaking Implications Of Record-High Mortgage Origination Profits During The Pandemic.” In it he describes mortgage originators as “middlemen” in the details ⇒

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