Article: What's Hot, And What's Not: A cautious pragmatism was on display as we talked to lenders about the outlook for this year at the Mortgage Bankers Association's annual convention in San Francisco.

BRAD: Rates have not risen as fast during 2004 as some might have expected. In fact, as we conduct this session (in October), the 10-year Treasury is actually under 4%. How do you see the market going forward?

JUDY: If I could call that, I wouldn't have to hedge. The MBA's forecast seems pretty reasonable to me.

BRAD: Has your business been what you expected it to be for 2004 or has it been better?

SUE: Our business has never been better and we look forward to having it continue to grow in different ways. I think it is weeding out a lot of the brokers who were the refi brokers, who possibly lacked in some of the professionalism that you look for ...

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