It’s that time of the year again: Declining originations mixed with seasonality are causing consternation among residential originators, with lay-off notices proliferating at shops both large and small. However, a greater sense of panic is beginning to seep in this time around. Rates are the highest they’ve been in several years and the purchase-money sector is beginning to look long in the tooth. The nation’s largest home lender, Wells Fargo, recently announced plans to chop 900 ...