Study Finds That FHA Loan Limits Exceed Necessary Level for Intended Audience

``"FHA Assessment Report: The Role and Reform of the Federal Housing Administration in a Recovering U. S. Housing Market," concludes that the FHA still could serve 95 percent of its historic targeted market even if the maximum FHA loan limits were reduced by nearly 50 percent. To serve its target population, the report concludes that FHA only needs a market share of somewhere between nine to 15 percent of total mortgage originations. Current estimates by the Administration put its market share at approximately 30 percent of originations.''