Eh I would agree with OC. If they got flagged up on something as small as that they are going to take a massive hit when the applications really dry up later this year. That means 1 of 2 things will happen. They will decide to massively swing towards the other direction panicking and taking on loans they never should have aka 2008. 2) They keep losing out activity and market share decreasing their stock price to a point well below where she/he bought making it a bad investment currently. Neither looks great from an investors stand point.