Should the mortgage lenders have sensitized their models to account for inflationary Fed policy?

Question by Randall E: Should the mortgage lenders have sensitized their models to account for inflationary Fed policy?
Let's be perfectly clear on this. I see and hear a lot of people blaming "mortgage crooks" and "greedy lenders" and "greedy borrowers buying homes they couldn't afford." Well, there are some horror stories like low-doc and no-doc - - - but almost all the mortgages were on the up and up - subprime yes but they all cash flowed at the rates then in place. And at the cost

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