The service bank I use has announced that their approval rate will not change this year, so availability should not be a problem. Much of their price cut comes from Liberty's share of the pie, I'm sure, but I doubt it is Liberty's entire slice of the pie. Time will tell, but I certainly don't see the sky as falling.

Fortunately, I do bank products for a fairly low percentage of my clients. JTX is the highest in the industry. Liberty is not the RAL shop of JTX or even Block, and my percentage is lower than average for Liberty offices. But that segment of my business will be well served this year from the look of things so far, based on announcements from the service banks.