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Rates holding firm near 20-year highs.
Fannie YOY earnings down nearly 50%; Freddie's fall 55% as housing market shrinks.
Industry vet Ravi Shankar returns after stints at Boston Consulting, UWM.
MBA says rate volatility will be with us for a while.
Fannie Mae's Guaranty Book of Business increased 1.6% during September.
First time since 2002, according to Freddie Mac
