(RECAP: The Mortgage Bankers Association said access to credit is running at roughly one quarter of the pre-housing bubble rate of 2004. The Obama administration has been meeting with key stakeholders, including David Stevens, the MBA’s chief executive, to understand why the situation isn’t improving. Stevens told administration officials many potential buyers are getting shut out of the market because lenders don’t want to take a chance on them. “We are clearly seeing a shift away from certain products by the larger institutions. FHA is a prime example. If a loan goes to default, goes to claim and FHA finds a mistake in the file, you are subject to treble damages, or three times the outstanding balance of the loan. The risk is very significant.”)