WASHINGTON, DC – SEPTEMBER 10: U.S. Treasury Secretary Steven Mnuchin (L), U.S. Housing and Urban … [+] Development Secretary Ben Carson (C) and Federal Housing Finance Agency Director Mark Calabria testify during a Senate Banking, Housing, and Urban Affairs Committee hearing on September 10, 2019 in Washington, DC. Trump administration officials were testifying before the committee in support of a report released last week calling for the privatization of Fannie Mae and Freddie Mac, the mortgage-finance behemoths taken over by the federal government 11 years ago to prevent their collapse in the wake of the 2008 financial crisis. (Photo by Zach Gibson/Getty Images)

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Last week the Wall Street Journal ran an article with the following two-part title: The Mortgage Market Never Got

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