Rumblings about Declining Markets in NY-BE AWARE

I am hearing that new counties may be added to lenders & MI companies declining market lists.  This means All agency loans will get a 5% LTV reduction.  Inform high LTV borrowers (over 90 LTV) to LOCK or they may not be able to get a loan; Period.  

Counties currently considered declining by some lenders & MI companies:
Nassau

 Suffolk

 Orange

 Dutchess

Counties currently under scrutiny: Bronx

 Herkimer

 Kings Madison

New York

 Oneida

 Onondaga

 Oswego

 Putnam

 Queens

 Richmond

 Rockland

 Tompkins

 Westchester