With the supposed elimination of the adverse market fee FNMA and Freddie Mac have been charging lenders, as well as the decline of “risk based pricing” and “Loan level price adjustments”… One would hope lenders will pass some of the savings onto consumers through mortgage brokerages within the next few months.

We’ll see… they seem to be holding their profits pretty tight, at least until confidence is renewed in the financial market. 
For now, see below!