Rates are on a downward slope once again, which means mortgage and housing economists may want to rethink their origination forecasts for 2020.

Policymakers should focus on making origination and servicing attractive to banks and nonbanks alike instead of adopting additional standards that apply to non-depositories, the Mortgage Bankers Association says.

Lenders can take a number of steps to help ensure that borrowers are satisfied with the origination process, making them more likely to recommend the lender to friends and family.