IndyMac wades back in to the jumbo market

After hastily eliminating jumbo loans a couple of weeks ago due to a lack of buyer interest on the secondary market IndyMac announced today a return of the loan product.  Well, a return of sorts.  Jumbo loans will now require full income documentation and a minimum borrower equity position of 15% in the property.  IndyMac is planning on holding those loans in its portfolios until secondary market interest returns. While its a welcome development to the jumbo market - it still is vastly restricted from the standards available to borrowers only 4 weeks ago. One has to wonder though, is IndyMac gambling with its liquidity in an attempt to win business from other competitors?  If cash is currently king during this credit crunch, why is IndyMac willing to tie up a large port