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October 9, 2018

Mortgage Analysts Look Into Their Crystal Balls and Don’t Like What They See

By Paul Muolo

Analyst Henry Coffey: “It is worth noting, given expected home price appreciation, that a flat mortgage market should translate into a 4 percent or greater decline in actual mortgage unit count.”

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Who "owns" the mortgage customer that’s brought to a wholesale lender through a loan broker?

The broker. It’s his/her client.


The wholesale/table funder. They’re taking the financial risk.


The broker, but only for the first year. After that, the borrower is fair game.


Hard to answer. It’s a complicated issue.