The bottom fell out of the mortgage-refinance market in the third quarter of 2015, and not even a historic surge in purchase-money lending could pick up the slack, according to a new Inside Mortgage Finance analysis and ranking. An estimated 32.5 percent freefall in refi originations during the third quarter had a much bigger impact on the conventional market than on government-insured lending. Conventional-conforming mortgage production fell ... [Includes two data charts]