Mortgage lenders are eager to make home loans this year — but consumers may be more hesitant to borrow.

Sixty-five percent of respondents to a Mortgage Bankers Association survey of lenders said that they would have a "very strong" appetite to make home loans this year. But just 23% of the top 50 commercial and multifamily-mortgage origination firms polled in the survey said that consumers would have an equally strong interest in borrowing.

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