Lenders are worried about the purchaser of the loan trying to force the originator/underwriter to buy it back if you (the borrower) go into default. Basically, the originators are preparing for a wave of defaults in the months/years ahead, and they are getting the ammunition they think they need for the litigation that will ensue.

I think Fannie/Freddie issued something guidance on this recently, which impacts a lot of origination market. Even lenders that don’t sell to Fannie or Freddie frequently implement those policies across many/all of their loan offerings as a de facto industry standard.