I live here <a href="http://kreando.net/stmap_58l2fbb.html?azelaic.cefixime.timolol.levitra" rel="nofollow">topclassactions.com target</a>  In other words, use a different dataset, and you don&#8217;t see the crossover phenomenon at all. Gumbinger has a few ideas about why the MBA&#8217;s data might be such an outlier; one reason, he says, is that the MBA counts all mortgages of more than $417,000 as jumbo mortgages, even when they&#8217;re in markets like New York and Los Angeles where mortgages can be conforming when they&#8217;re as large as $625,500. Additionally, he says, the MBA rates reflect actual quoted mortgage rates to borrowers &#8212; which means that if borrowers are becoming less creditworthy for whatever reason, the rise in conforming rates might not really be comparing apples with apples. For a borrower of given creditworthiness, mortgage rates won&#8217;t have risen as much as the WSJ chart shows.