{"id":2066,"date":"2022-01-03T17:01:36","date_gmt":"2022-01-03T17:01:36","guid":{"rendered":"https:\/\/bundleloan.com\/blog\/?p=2066"},"modified":"2022-03-16T16:31:23","modified_gmt":"2022-03-16T16:31:23","slug":"2022-mortgage-volume-predictions","status":"publish","type":"post","link":"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/","title":{"rendered":"2022 Mortgage Volume Predictions"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/bundleloan.com\/blog\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-03-at-11.56.38-AM.png\" alt=\"2022 Mortgage Predictions\" width=\"440\" height=\"307\" class=\"aligncenter size-full wp-image-2075\" srcset=\"https:\/\/bundleloan.com\/blog\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-03-at-11.56.38-AM.png 440w, https:\/\/bundleloan.com\/blog\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-03-at-11.56.38-AM-300x209.png 300w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/><\/p>\n<p>The mortgage industry is going to see a significant shift in 2022. Although rates are still near all time lows, the simple truth is the industry is out of borrowers to refinance. <\/p>\n<p>There have been more than $8 Trillion in mortgages originated over 2020 and 2021. For context, total mortgage debt in the United States is $12 Trillion.<\/p>\n<p>We analyzed more than <a href=\"https:\/\/ffiec.cfpb.gov\/\" rel=\"noopener\" target=\"_blank\">26,000,000 mortgages<\/a> over recent years to predict how the market divvies up the volume in 2022. We did this in 3 steps:<\/p>\n<h3>Methodology<\/h3>\n<p>1) First, we looked at each company&#8217;s market share. In order to account for the shift away from refinance, we split this by purchase and refinance. <\/p>\n<p>2) Then, we looked at how each company has trended in recent years to account for expected continued gains or losses in market share.<\/p>\n<p>3) Lastly, we applied these market share estimates to the most recent <a href=\"https:\/\/www.mba.org\/news-research-and-resources\/research-and-economics\/forecasts-and-commentary\" rel=\"noopener\" target=\"_blank\">Mortgage Market Forecast<\/a> published by the Mortgage Bankers Association, specifically by Purchase and Refinance. <\/p>\n<h3>Example<\/h3>\n<p>As an example, Rocket Mortgage, the country&#8217;s largest lender had an 8% total market share in 2020. The story changes when you break it down by mortgage loan purpose. They had an 11% market share in refinance, but only a 2.7%  market share in purchase. <\/p>\n<p>Since Rocket had a much higher share of refinance originations in 2020 compared to the industry (88% vs 65%, respectively), they will see a larger than average drop in total mortgage originations in 2022 as refinance volume dries up.<\/p>\n<p>We also took recent trends in market share gains and applied them to each company. Sticking with our example, Rocket has been gaining market share in refinance and we extend that trend into 2022. This marginally offsets the impact from the overall market decline.<\/p>\n<h3>Results<\/h3>\n\n<table id=\"tablepress-56\" class=\"tablepress tablepress-id-56\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">2022 Est. Rank<\/th><th class=\"column-2\">Mortgage Company<\/th><th class=\"column-3\">2022 Est. Volume ($B)<\/th><th class=\"column-4\">2020 Volume ($B)<\/th><th class=\"column-5\">Change ($B)<\/th><th class=\"column-6\">2022 Refi %<\/th><th class=\"column-7\">2020 Refi %<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">ROCKET MORTGAGE<\/td><td class=\"column-3\">$143.8<\/td><td class=\"column-4\">$313.2<\/td><td class=\"column-5\">($169.3)<\/td><td class=\"column-6\">68%<\/td><td class=\"column-7\">88%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">UNITED WHOLESALE MORTGAGE<\/td><td class=\"column-3\">$105.6<\/td><td class=\"column-4\">$178.4<\/td><td class=\"column-5\">($72.8)<\/td><td class=\"column-6\">50%<\/td><td class=\"column-7\">77%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">WELLS FARGO BANK NA<\/td><td class=\"column-3\">$82.4<\/td><td class=\"column-4\">$125.0<\/td><td class=\"column-5\">($42.5)<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">52%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">4<\/td><td class=\"column-2\">FAIRWAY INDEPENDENT MORT CORP<\/td><td class=\"column-3\">$69.6<\/td><td class=\"column-4\">$63.1<\/td><td class=\"column-5\">$6.6<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">43%<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">5<\/td><td class=\"column-2\">GUARANTEED RATE INC.<\/td><td class=\"column-3\">$69.4<\/td><td class=\"column-4\">$69.8<\/td><td class=\"column-5\">($0.4)<\/td><td class=\"column-6\">31%<\/td><td class=\"column-7\">57%<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">6<\/td><td class=\"column-2\">LOANDEPOT LLC<\/td><td class=\"column-3\">$66.4<\/td><td class=\"column-4\">$96.5<\/td><td class=\"column-5\">($30.1)<\/td><td class=\"column-6\">34%<\/td><td class=\"column-7\">72%<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">7<\/td><td class=\"column-2\">CALIBER HOME LOANS INC<\/td><td class=\"column-3\">$58.1<\/td><td class=\"column-4\">$70.1<\/td><td class=\"column-5\">($12.0)<\/td><td class=\"column-6\">27%<\/td><td class=\"column-7\">55%<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">8<\/td><td class=\"column-2\">CROSSCOUNTRY MORTGAGE INC.<\/td><td class=\"column-3\">$51.7<\/td><td class=\"column-4\">$42.6<\/td><td class=\"column-5\">$9.1<\/td><td class=\"column-6\">28%<\/td><td class=\"column-7\">56%<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">9<\/td><td class=\"column-2\">FREEDOM MORTGAGE CORPORATION<\/td><td class=\"column-3\">$47.1<\/td><td class=\"column-4\">$99.2<\/td><td class=\"column-5\">($52.1)<\/td><td class=\"column-6\">87%<\/td><td class=\"column-7\">94%<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">10<\/td><td class=\"column-2\">BANK OF AMERICA NA<\/td><td class=\"column-3\">$41.5<\/td><td class=\"column-4\">$69.2<\/td><td class=\"column-5\">($27.6)<\/td><td class=\"column-6\">33%<\/td><td class=\"column-7\">68%<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">11<\/td><td class=\"column-2\">HOME POINT FINANCIAL CORPORATION<\/td><td class=\"column-3\">$39.4<\/td><td class=\"column-4\">$39.0<\/td><td class=\"column-5\">$0.4<\/td><td class=\"column-6\">37%<\/td><td class=\"column-7\">68%<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">12<\/td><td class=\"column-2\">VETERANS UNITED<\/td><td class=\"column-3\">$34.7<\/td><td class=\"column-4\">$25.9<\/td><td class=\"column-5\">$8.8<\/td><td class=\"column-6\">10%<\/td><td class=\"column-7\">29%<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">13<\/td><td class=\"column-2\">MOVEMENT MORTGAGE, LLC<\/td><td class=\"column-3\">$34.0<\/td><td class=\"column-4\">$29.9<\/td><td class=\"column-5\">$4.1<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">42%<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">14<\/td><td class=\"column-2\">US BANK, N.A.<\/td><td class=\"column-3\">$33.4<\/td><td class=\"column-4\">$53.2<\/td><td class=\"column-5\">($19.8)<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">63%<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">15<\/td><td class=\"column-2\">JPMORGAN CHASE BANK, NA<\/td><td class=\"column-3\">$30.8<\/td><td class=\"column-4\">$89.9<\/td><td class=\"column-5\">($59.0)<\/td><td class=\"column-6\">42%<\/td><td class=\"column-7\">70%<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">16<\/td><td class=\"column-2\">GUILD MORTGAGE COMPANY<\/td><td class=\"column-3\">$27.2<\/td><td class=\"column-4\">$34.9<\/td><td class=\"column-5\">($7.6)<\/td><td class=\"column-6\">33%<\/td><td class=\"column-7\">54%<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">17<\/td><td class=\"column-2\">CARDINAL FINANCIAL COMPANY LP<\/td><td class=\"column-3\">$25.2<\/td><td class=\"column-4\">$26.9<\/td><td class=\"column-5\">($1.7)<\/td><td class=\"column-6\">36%<\/td><td class=\"column-7\">68%<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">18<\/td><td class=\"column-2\">NEW AMERICAN FUNDING<\/td><td class=\"column-3\">$24.9<\/td><td class=\"column-4\">$30.2<\/td><td class=\"column-5\">($5.3)<\/td><td class=\"column-6\">37%<\/td><td class=\"column-7\">65%<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\">19<\/td><td class=\"column-2\">PENNYMAC LOAN SERVICES LLC<\/td><td class=\"column-3\">$23.5<\/td><td class=\"column-4\">$34.9<\/td><td class=\"column-5\">($11.4)<\/td><td class=\"column-6\">60%<\/td><td class=\"column-7\">87%<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">20<\/td><td class=\"column-2\">CBNA<\/td><td class=\"column-3\">$21.9<\/td><td class=\"column-4\">$26.5<\/td><td class=\"column-5\">($4.5)<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">58%<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">21<\/td><td class=\"column-2\">CITIBANK, N.A.<\/td><td class=\"column-3\">$21.4<\/td><td class=\"column-4\">$27.3<\/td><td class=\"column-5\">($5.9)<\/td><td class=\"column-6\">11%<\/td><td class=\"column-7\">54%<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">22<\/td><td class=\"column-2\">DHI MORTGAGE COMPANY LIMITED<\/td><td class=\"column-3\">$21.3<\/td><td class=\"column-4\">$13.3<\/td><td class=\"column-5\">$8.0<\/td><td class=\"column-6\">0%<\/td><td class=\"column-7\">1%<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">23<\/td><td class=\"column-2\">PROSPERITY HOME MORTGAGE LLC<\/td><td class=\"column-3\">$21.2<\/td><td class=\"column-4\">$13.8<\/td><td class=\"column-5\">$7.3<\/td><td class=\"column-6\">13%<\/td><td class=\"column-7\">32%<\/td>\n<\/tr>\n<tr class=\"row-25 odd\">\n\t<td class=\"column-1\">24<\/td><td class=\"column-2\">HOMEBRIDGE FINANCIAL SERVICES, INC.<\/td><td class=\"column-3\">$20.0<\/td><td class=\"column-4\">$26.0<\/td><td class=\"column-5\">($6.1)<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">58%<\/td>\n<\/tr>\n<tr class=\"row-26 even\">\n\t<td class=\"column-1\">25<\/td><td class=\"column-2\">FLAGSTAR BANK<\/td><td class=\"column-3\">$19.4<\/td><td class=\"column-4\">$36.5<\/td><td class=\"column-5\">($17.1)<\/td><td class=\"column-6\">29%<\/td><td class=\"column-7\">64%<\/td>\n<\/tr>\n<tr class=\"row-27 odd\">\n\t<td class=\"column-1\">26<\/td><td class=\"column-2\">PRIMELENDING<\/td><td class=\"column-3\">$18.8<\/td><td class=\"column-4\">$22.5<\/td><td class=\"column-5\">($3.8)<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">42%<\/td>\n<\/tr>\n<tr class=\"row-28 even\">\n\t<td class=\"column-1\">27<\/td><td class=\"column-2\">CMG MORTGAGE INC.<\/td><td class=\"column-3\">$18.3<\/td><td class=\"column-4\">$18.6<\/td><td class=\"column-5\">($0.2)<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-29 odd\">\n\t<td class=\"column-1\">28<\/td><td class=\"column-2\">AMERICAN PACIFIC MORTGAGE CORPORATION<\/td><td class=\"column-3\">$18.3<\/td><td class=\"column-4\">$19.7<\/td><td class=\"column-5\">($1.5)<\/td><td class=\"column-6\">29%<\/td><td class=\"column-7\">57%<\/td>\n<\/tr>\n<tr class=\"row-30 even\">\n\t<td class=\"column-1\">29<\/td><td class=\"column-2\">LENNAR MORTGAGE, LLC<\/td><td class=\"column-3\">$17.5<\/td><td class=\"column-4\">$13.1<\/td><td class=\"column-5\">$4.4<\/td><td class=\"column-6\">0%<\/td><td class=\"column-7\">5%<\/td>\n<\/tr>\n<tr class=\"row-31 odd\">\n\t<td class=\"column-1\">30<\/td><td class=\"column-2\">FINANCE OF AMERICA MORTGAGE LLC<\/td><td class=\"column-3\">$15.8<\/td><td class=\"column-4\">$28.9<\/td><td class=\"column-5\">($13.1)<\/td><td class=\"column-6\">48%<\/td><td class=\"column-7\">66%<\/td>\n<\/tr>\n<tr class=\"row-32 even\">\n\t<td class=\"column-1\">31<\/td><td class=\"column-2\">FIRST REPUBLIC BANK<\/td><td class=\"column-3\">$15.0<\/td><td class=\"column-4\">$22.2<\/td><td class=\"column-5\">($7.2)<\/td><td class=\"column-6\">17%<\/td><td class=\"column-7\">61%<\/td>\n<\/tr>\n<tr class=\"row-33 odd\">\n\t<td class=\"column-1\">32<\/td><td class=\"column-2\">SUPREME LENDING\/ EVERETT FINANCIAL INC.<\/td><td class=\"column-3\">$14.9<\/td><td class=\"column-4\">$16.0<\/td><td class=\"column-5\">($1.1)<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-34 even\">\n\t<td class=\"column-1\">33<\/td><td class=\"column-2\">BETTER MORTGAGE CORPORATION<\/td><td class=\"column-3\">$14.8<\/td><td class=\"column-4\">$18.8<\/td><td class=\"column-5\">($4.1)<\/td><td class=\"column-6\">72%<\/td><td class=\"column-7\">89%<\/td>\n<\/tr>\n<tr class=\"row-35 odd\">\n\t<td class=\"column-1\">34<\/td><td class=\"column-2\">AMERISAVE MORTGAGE CORPORATION<\/td><td class=\"column-3\">$14.0<\/td><td class=\"column-4\">$23.7<\/td><td class=\"column-5\">($9.7)<\/td><td class=\"column-6\">100%<\/td><td class=\"column-7\">99%<\/td>\n<\/tr>\n<tr class=\"row-36 even\">\n\t<td class=\"column-1\">35<\/td><td class=\"column-2\">PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC.<\/td><td class=\"column-3\">$13.9<\/td><td class=\"column-4\">$14.0<\/td><td class=\"column-5\">($0.1)<\/td><td class=\"column-6\">22%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-37 odd\">\n\t<td class=\"column-1\">36<\/td><td class=\"column-2\">NAVY FEDERAL CREDIT UNION<\/td><td class=\"column-3\">$12.5<\/td><td class=\"column-4\">$23.4<\/td><td class=\"column-5\">($10.9)<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">49%<\/td>\n<\/tr>\n<tr class=\"row-38 even\">\n\t<td class=\"column-1\">37<\/td><td class=\"column-2\">AMERIS BANK<\/td><td class=\"column-3\">$12.2<\/td><td class=\"column-4\">$9.6<\/td><td class=\"column-5\">$2.6<\/td><td class=\"column-6\">25%<\/td><td class=\"column-7\">52%<\/td>\n<\/tr>\n<tr class=\"row-39 odd\">\n\t<td class=\"column-1\">38<\/td><td class=\"column-2\">NEWREZ LLC<\/td><td class=\"column-3\">$11.9<\/td><td class=\"column-4\">$22.3<\/td><td class=\"column-5\">($10.4)<\/td><td class=\"column-6\">78%<\/td><td class=\"column-7\">87%<\/td>\n<\/tr>\n<tr class=\"row-40 even\">\n\t<td class=\"column-1\">39<\/td><td class=\"column-2\">PRIMARY RESIDENTIAL MORTGAGE INC.<\/td><td class=\"column-3\">$11.9<\/td><td class=\"column-4\">$11.6<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">23%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-41 odd\">\n\t<td class=\"column-1\">40<\/td><td class=\"column-2\">AMERICAN FINANCIAL NETWORK INC.<\/td><td class=\"column-3\">$11.5<\/td><td class=\"column-4\">$13.2<\/td><td class=\"column-5\">($1.7)<\/td><td class=\"column-6\">31%<\/td><td class=\"column-7\">64%<\/td>\n<\/tr>\n<tr class=\"row-42 even\">\n\t<td class=\"column-1\">41<\/td><td class=\"column-2\">TRUIST BANK<\/td><td class=\"column-3\">$11.3<\/td><td class=\"column-4\">$25.5<\/td><td class=\"column-5\">($14.2)<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">59%<\/td>\n<\/tr>\n<tr class=\"row-43 odd\">\n\t<td class=\"column-1\">42<\/td><td class=\"column-2\">LAKEVIEW LOAN SERVICING, LLC<\/td><td class=\"column-3\">$11.2<\/td><td class=\"column-4\">$15.0<\/td><td class=\"column-5\">($3.9)<\/td><td class=\"column-6\">89%<\/td><td class=\"column-7\">97%<\/td>\n<\/tr>\n<tr class=\"row-44 even\">\n\t<td class=\"column-1\">43<\/td><td class=\"column-2\">FIFTH THIRD BANK<\/td><td class=\"column-3\">$11.1<\/td><td class=\"column-4\">$9.6<\/td><td class=\"column-5\">$1.5<\/td><td class=\"column-6\">26%<\/td><td class=\"column-7\">66%<\/td>\n<\/tr>\n<tr class=\"row-45 odd\">\n\t<td class=\"column-1\">44<\/td><td class=\"column-2\">CORNERSTONE HOME LENDING, INC.<\/td><td class=\"column-3\">$10.8<\/td><td class=\"column-4\">$11.0<\/td><td class=\"column-5\">($0.2)<\/td><td class=\"column-6\">25%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-46 even\">\n\t<td class=\"column-1\">45<\/td><td class=\"column-2\">ACADEMY MORTGAGE CORPORATION<\/td><td class=\"column-3\">$10.8<\/td><td class=\"column-4\">$15.1<\/td><td class=\"column-5\">($4.3)<\/td><td class=\"column-6\">28%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-47 odd\">\n\t<td class=\"column-1\">46<\/td><td class=\"column-2\">NFM, INC<\/td><td class=\"column-3\">$10.7<\/td><td class=\"column-4\">$8.0<\/td><td class=\"column-5\">$2.6<\/td><td class=\"column-6\">23%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-48 even\">\n\t<td class=\"column-1\">47<\/td><td class=\"column-2\">TD BANK<\/td><td class=\"column-3\">$10.2<\/td><td class=\"column-4\">$11.8<\/td><td class=\"column-5\">($1.6)<\/td><td class=\"column-6\">6%<\/td><td class=\"column-7\">54%<\/td>\n<\/tr>\n<tr class=\"row-49 odd\">\n\t<td class=\"column-1\">48<\/td><td class=\"column-2\">REGIONS BANK<\/td><td class=\"column-3\">$10.0<\/td><td class=\"column-4\">$13.6<\/td><td class=\"column-5\">($3.5)<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">58%<\/td>\n<\/tr>\n<tr class=\"row-50 even\">\n\t<td class=\"column-1\">49<\/td><td class=\"column-2\">KELLER MORTGAGE LLC<\/td><td class=\"column-3\">$9.6<\/td><td class=\"column-4\">$5.6<\/td><td class=\"column-5\">$4.0<\/td><td class=\"column-6\">12%<\/td><td class=\"column-7\">31%<\/td>\n<\/tr>\n<tr class=\"row-51 odd\">\n\t<td class=\"column-1\">50<\/td><td class=\"column-2\">MR COOPER<\/td><td class=\"column-3\">$9.1<\/td><td class=\"column-4\">$35.7<\/td><td class=\"column-5\">($26.6)<\/td><td class=\"column-6\">78%<\/td><td class=\"column-7\">97%<\/td>\n<\/tr>\n<tr class=\"row-52 even\">\n\t<td class=\"column-1\">51<\/td><td class=\"column-2\">SUN WEST MORTGAGE COMPANY INC.<\/td><td class=\"column-3\">$9.0<\/td><td class=\"column-4\">$9.1<\/td><td class=\"column-5\">($0.0)<\/td><td class=\"column-6\">33%<\/td><td class=\"column-7\">72%<\/td>\n<\/tr>\n<tr class=\"row-53 odd\">\n\t<td class=\"column-1\">52<\/td><td class=\"column-2\">DRAPER AND KRAMER MORTGAGE CORP.<\/td><td class=\"column-3\">$8.6<\/td><td class=\"column-4\">$9.3<\/td><td class=\"column-5\">($0.7)<\/td><td class=\"column-6\">46%<\/td><td class=\"column-7\">71%<\/td>\n<\/tr>\n<tr class=\"row-54 even\">\n\t<td class=\"column-1\">53<\/td><td class=\"column-2\">ARK-LA-TEX FINANCIAL SERVICES LLC<\/td><td class=\"column-3\">$8.4<\/td><td class=\"column-4\">$7.8<\/td><td class=\"column-5\">$0.6<\/td><td class=\"column-6\">25%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-55 odd\">\n\t<td class=\"column-1\">54<\/td><td class=\"column-2\">RESIDENTIAL MORTGAGE SERVICES<\/td><td class=\"column-3\">$8.3<\/td><td class=\"column-4\">$8.2<\/td><td class=\"column-5\">$0.1<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">42%<\/td>\n<\/tr>\n<tr class=\"row-56 even\">\n\t<td class=\"column-1\">55<\/td><td class=\"column-2\">GATEWAY FIRST BANK<\/td><td class=\"column-3\">$8.2<\/td><td class=\"column-4\">$8.7<\/td><td class=\"column-5\">($0.5)<\/td><td class=\"column-6\">24%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-57 odd\">\n\t<td class=\"column-1\">56<\/td><td class=\"column-2\">PULTE MORTGAGE LLC<\/td><td class=\"column-3\">$8.1<\/td><td class=\"column-4\">$6.1<\/td><td class=\"column-5\">$2.0<\/td><td class=\"column-6\">0%<\/td><td class=\"column-7\">1%<\/td>\n<\/tr>\n<tr class=\"row-58 even\">\n\t<td class=\"column-1\">57<\/td><td class=\"column-2\">CHERRY CREEK MORTGAGE CO. INC.<\/td><td class=\"column-3\">$7.9<\/td><td class=\"column-4\">$9.6<\/td><td class=\"column-5\">($1.6)<\/td><td class=\"column-6\">39%<\/td><td class=\"column-7\">63%<\/td>\n<\/tr>\n<tr class=\"row-59 odd\">\n\t<td class=\"column-1\">58<\/td><td class=\"column-2\">KEYBANK NATIONAL ASSOCIATION<\/td><td class=\"column-3\">$7.9<\/td><td class=\"column-4\">$10.3<\/td><td class=\"column-5\">($2.4)<\/td><td class=\"column-6\">4%<\/td><td class=\"column-7\">64%<\/td>\n<\/tr>\n<tr class=\"row-60 even\">\n\t<td class=\"column-1\">59<\/td><td class=\"column-2\">NORTHPOINTE BANK<\/td><td class=\"column-3\">$7.9<\/td><td class=\"column-4\">$7.2<\/td><td class=\"column-5\">$0.7<\/td><td class=\"column-6\">33%<\/td><td class=\"column-7\">62%<\/td>\n<\/tr>\n<tr class=\"row-61 odd\">\n\t<td class=\"column-1\">60<\/td><td class=\"column-2\">SUMMIT FUNDING INC.<\/td><td class=\"column-3\">$7.7<\/td><td class=\"column-4\">$7.5<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">46%<\/td>\n<\/tr>\n<tr class=\"row-62 even\">\n\t<td class=\"column-1\">61<\/td><td class=\"column-2\">BAY EQUITY HOME LOANS<\/td><td class=\"column-3\">$7.6<\/td><td class=\"column-4\">$9.1<\/td><td class=\"column-5\">($1.5)<\/td><td class=\"column-6\">32%<\/td><td class=\"column-7\">58%<\/td>\n<\/tr>\n<tr class=\"row-63 odd\">\n\t<td class=\"column-1\">62<\/td><td class=\"column-2\">MUTUAL OF OMAHA MORTGAGE, INC<\/td><td class=\"column-3\">$7.6<\/td><td class=\"column-4\">$10.1<\/td><td class=\"column-5\">($2.5)<\/td><td class=\"column-6\">62%<\/td><td class=\"column-7\">83%<\/td>\n<\/tr>\n<tr class=\"row-64 even\">\n\t<td class=\"column-1\">63<\/td><td class=\"column-2\">PNC BANK N.A.<\/td><td class=\"column-3\">$7.6<\/td><td class=\"column-4\">$20.1<\/td><td class=\"column-5\">($12.5)<\/td><td class=\"column-6\">6%<\/td><td class=\"column-7\">70%<\/td>\n<\/tr>\n<tr class=\"row-65 odd\">\n\t<td class=\"column-1\">64<\/td><td class=\"column-2\">UNION HOME MORTGAGE COMPANY<\/td><td class=\"column-3\">$7.5<\/td><td class=\"column-4\">$8.0<\/td><td class=\"column-5\">($0.5)<\/td><td class=\"column-6\">31%<\/td><td class=\"column-7\">54%<\/td>\n<\/tr>\n<tr class=\"row-66 even\">\n\t<td class=\"column-1\">65<\/td><td class=\"column-2\">CLOSINGMARK HOME LOANS<\/td><td class=\"column-3\">$7.3<\/td><td class=\"column-4\">$3.1<\/td><td class=\"column-5\">$4.1<\/td><td class=\"column-6\">0%<\/td><td class=\"column-7\">2%<\/td>\n<\/tr>\n<tr class=\"row-67 odd\">\n\t<td class=\"column-1\">66<\/td><td class=\"column-2\">MORGAN STANLEY PRIVATE BANK NA<\/td><td class=\"column-3\">$7.2<\/td><td class=\"column-4\">$11.4<\/td><td class=\"column-5\">($4.2)<\/td><td class=\"column-6\">2%<\/td><td class=\"column-7\">65%<\/td>\n<\/tr>\n<tr class=\"row-68 even\">\n\t<td class=\"column-1\">67<\/td><td class=\"column-2\">SWBC MORTGAGE CORPORATION<\/td><td class=\"column-3\">$7.2<\/td><td class=\"column-4\">$6.8<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">30%<\/td><td class=\"column-7\">57%<\/td>\n<\/tr>\n<tr class=\"row-69 odd\">\n\t<td class=\"column-1\">68<\/td><td class=\"column-2\">SOUTH STATE BANK, N.A.<\/td><td class=\"column-3\">$7.0<\/td><td class=\"column-4\">$4.7<\/td><td class=\"column-5\">$2.3<\/td><td class=\"column-6\">16%<\/td><td class=\"column-7\">44%<\/td>\n<\/tr>\n<tr class=\"row-70 even\">\n\t<td class=\"column-1\">69<\/td><td class=\"column-2\">COMMERCE HOME MORTGAGE LLC<\/td><td class=\"column-3\">$6.8<\/td><td class=\"column-4\">$7.0<\/td><td class=\"column-5\">($0.2)<\/td><td class=\"column-6\">40%<\/td><td class=\"column-7\">67%<\/td>\n<\/tr>\n<tr class=\"row-71 odd\">\n\t<td class=\"column-1\">70<\/td><td class=\"column-2\">NOVA FINANCIAL &amp; INVESTMENT CORPORATION DBA: NOVA HOME LOANS<\/td><td class=\"column-3\">$6.7<\/td><td class=\"column-4\">$7.8<\/td><td class=\"column-5\">($1.1)<\/td><td class=\"column-6\">37%<\/td><td class=\"column-7\">61%<\/td>\n<\/tr>\n<tr class=\"row-72 even\">\n\t<td class=\"column-1\">71<\/td><td class=\"column-2\">ATLANTIC BAY MORTGAGE GROUP LLC<\/td><td class=\"column-3\">$6.7<\/td><td class=\"column-4\">$6.7<\/td><td class=\"column-5\">($0.0)<\/td><td class=\"column-6\">22%<\/td><td class=\"column-7\">43%<\/td>\n<\/tr>\n<tr class=\"row-73 odd\">\n\t<td class=\"column-1\">72<\/td><td class=\"column-2\">VANDERBILT MORTGAGE AND FINANCE, INC<\/td><td class=\"column-3\">$6.6<\/td><td class=\"column-4\">$4.1<\/td><td class=\"column-5\">$2.4<\/td><td class=\"column-6\">10%<\/td><td class=\"column-7\">24%<\/td>\n<\/tr>\n<tr class=\"row-74 even\">\n\t<td class=\"column-1\">73<\/td><td class=\"column-2\">FBC MORTGAGE LLC<\/td><td class=\"column-3\">$6.2<\/td><td class=\"column-4\">$6.3<\/td><td class=\"column-5\">($0.1)<\/td><td class=\"column-6\">14%<\/td><td class=\"column-7\">38%<\/td>\n<\/tr>\n<tr class=\"row-75 odd\">\n\t<td class=\"column-1\">74<\/td><td class=\"column-2\">BANK OF ENGLAND<\/td><td class=\"column-3\">$6.2<\/td><td class=\"column-4\">$6.0<\/td><td class=\"column-5\">$0.2<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-76 even\">\n\t<td class=\"column-1\">75<\/td><td class=\"column-2\">RUOFF HOME MORTGAGE<\/td><td class=\"column-3\">$6.0<\/td><td class=\"column-4\">$5.5<\/td><td class=\"column-5\">$0.6<\/td><td class=\"column-6\">25%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-77 odd\">\n\t<td class=\"column-1\">76<\/td><td class=\"column-2\">BELL BANK<\/td><td class=\"column-3\">$6.0<\/td><td class=\"column-4\">$5.9<\/td><td class=\"column-5\">$0.1<\/td><td class=\"column-6\">28%<\/td><td class=\"column-7\">53%<\/td>\n<\/tr>\n<tr class=\"row-78 even\">\n\t<td class=\"column-1\">77<\/td><td class=\"column-2\">MCLEAN MORTGAGE CORPORATION<\/td><td class=\"column-3\">$6.0<\/td><td class=\"column-4\">$5.6<\/td><td class=\"column-5\">$0.4<\/td><td class=\"column-6\">32%<\/td><td class=\"column-7\">55%<\/td>\n<\/tr>\n<tr class=\"row-79 odd\">\n\t<td class=\"column-1\">78<\/td><td class=\"column-2\">PROVIDENT FUNDING ASSOCIATES<\/td><td class=\"column-3\">$6.0<\/td><td class=\"column-4\">$13.7<\/td><td class=\"column-5\">($7.7)<\/td><td class=\"column-6\">69%<\/td><td class=\"column-7\">89%<\/td>\n<\/tr>\n<tr class=\"row-80 even\">\n\t<td class=\"column-1\">79<\/td><td class=\"column-2\">THE FEDERAL SAVINGS BANK<\/td><td class=\"column-3\">$5.9<\/td><td class=\"column-4\">$11.3<\/td><td class=\"column-5\">($5.3)<\/td><td class=\"column-6\">56%<\/td><td class=\"column-7\">82%<\/td>\n<\/tr>\n<tr class=\"row-81 odd\">\n\t<td class=\"column-1\">80<\/td><td class=\"column-2\">USAA FEDERAL SAVINGS BANK<\/td><td class=\"column-3\">$5.9<\/td><td class=\"column-4\">$14.1<\/td><td class=\"column-5\">($8.3)<\/td><td class=\"column-6\">23%<\/td><td class=\"column-7\">49%<\/td>\n<\/tr>\n<tr class=\"row-82 even\">\n\t<td class=\"column-1\">81<\/td><td class=\"column-2\">INTERCAP LENDING INC<\/td><td class=\"column-3\">$5.8<\/td><td class=\"column-4\">$4.8<\/td><td class=\"column-5\">$1.0<\/td><td class=\"column-6\">32%<\/td><td class=\"column-7\">62%<\/td>\n<\/tr>\n<tr class=\"row-83 odd\">\n\t<td class=\"column-1\">82<\/td><td class=\"column-2\">FIRST UNITED BANK AND TRUST CO<\/td><td class=\"column-3\">$5.7<\/td><td class=\"column-4\">$4.7<\/td><td class=\"column-5\">$1.0<\/td><td class=\"column-6\">13%<\/td><td class=\"column-7\">39%<\/td>\n<\/tr>\n<tr class=\"row-84 even\">\n\t<td class=\"column-1\">83<\/td><td class=\"column-2\">SECURITYNATIONAL MORTGAGE COMPANY<\/td><td class=\"column-3\">$5.7<\/td><td class=\"column-4\">$5.4<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">22%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-85 odd\">\n\t<td class=\"column-1\">84<\/td><td class=\"column-2\">ALLY BANK<\/td><td class=\"column-3\">$5.6<\/td><td class=\"column-4\">$4.7<\/td><td class=\"column-5\">$0.9<\/td><td class=\"column-6\">42%<\/td><td class=\"column-7\">73%<\/td>\n<\/tr>\n<tr class=\"row-86 even\">\n\t<td class=\"column-1\">85<\/td><td class=\"column-2\">HIGHLANDS RESIDENTIAL MORTGAGE<\/td><td class=\"column-3\">$5.6<\/td><td class=\"column-4\">$4.8<\/td><td class=\"column-5\">$0.8<\/td><td class=\"column-6\">25%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-87 odd\">\n\t<td class=\"column-1\">86<\/td><td class=\"column-2\">BARRINGTON BANK &amp; TRUST<\/td><td class=\"column-3\">$5.6<\/td><td class=\"column-4\">$8.0<\/td><td class=\"column-5\">($2.4)<\/td><td class=\"column-6\">44%<\/td><td class=\"column-7\">65%<\/td>\n<\/tr>\n<tr class=\"row-88 even\">\n\t<td class=\"column-1\">87<\/td><td class=\"column-2\">NVR MORTGAGE FINANCE INC<\/td><td class=\"column-3\">$5.6<\/td><td class=\"column-4\">$5.3<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">0%<\/td><td class=\"column-7\">0%<\/td>\n<\/tr>\n<tr class=\"row-89 odd\">\n\t<td class=\"column-1\">88<\/td><td class=\"column-2\">DAS ACQUISITION COMPANY, LLC<\/td><td class=\"column-3\">$5.6<\/td><td class=\"column-4\">$4.8<\/td><td class=\"column-5\">$0.7<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">44%<\/td>\n<\/tr>\n<tr class=\"row-90 even\">\n\t<td class=\"column-1\">89<\/td><td class=\"column-2\">SYNOVUS BANK<\/td><td class=\"column-3\">$5.3<\/td><td class=\"column-4\">$4.5<\/td><td class=\"column-5\">$0.8<\/td><td class=\"column-6\">18%<\/td><td class=\"column-7\">54%<\/td>\n<\/tr>\n<tr class=\"row-91 odd\">\n\t<td class=\"column-1\">90<\/td><td class=\"column-2\">EQUITY PRIME MORTGAGE LLC<\/td><td class=\"column-3\">$5.2<\/td><td class=\"column-4\">$3.8<\/td><td class=\"column-5\">$1.4<\/td><td class=\"column-6\">20%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-92 even\">\n\t<td class=\"column-1\">91<\/td><td class=\"column-2\">LEADERONE FINANCIAL CORP.<\/td><td class=\"column-3\">$5.2<\/td><td class=\"column-4\">$5.4<\/td><td class=\"column-5\">($0.2)<\/td><td class=\"column-6\">31%<\/td><td class=\"column-7\">56%<\/td>\n<\/tr>\n<tr class=\"row-93 odd\">\n\t<td class=\"column-1\">92<\/td><td class=\"column-2\">NJ LENDERS CORP.<\/td><td class=\"column-3\">$5.1<\/td><td class=\"column-4\">$4.6<\/td><td class=\"column-5\">$0.5<\/td><td class=\"column-6\">30%<\/td><td class=\"column-7\">57%<\/td>\n<\/tr>\n<tr class=\"row-94 even\">\n\t<td class=\"column-1\">93<\/td><td class=\"column-2\">MID AMERICA MORTGAGE INC.<\/td><td class=\"column-3\">$5.1<\/td><td class=\"column-4\">$4.8<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">24%<\/td><td class=\"column-7\">49%<\/td>\n<\/tr>\n<tr class=\"row-95 odd\">\n\t<td class=\"column-1\">94<\/td><td class=\"column-2\">PLAINS COMMERCE BANK<\/td><td class=\"column-3\">$5.0<\/td><td class=\"column-4\">$4.5<\/td><td class=\"column-5\">$0.5<\/td><td class=\"column-6\">40%<\/td><td class=\"column-7\">69%<\/td>\n<\/tr>\n<tr class=\"row-96 even\">\n\t<td class=\"column-1\">95<\/td><td class=\"column-2\">V.I.P. MORTGAGE INC.<\/td><td class=\"column-3\">$5.0<\/td><td class=\"column-4\">$4.9<\/td><td class=\"column-5\">$0.1<\/td><td class=\"column-6\">32%<\/td><td class=\"column-7\">59%<\/td>\n<\/tr>\n<tr class=\"row-97 odd\">\n\t<td class=\"column-1\">96<\/td><td class=\"column-2\">AMCAP MORTGAGE LTD.<\/td><td class=\"column-3\">$5.0<\/td><td class=\"column-4\">$4.3<\/td><td class=\"column-5\">$0.7<\/td><td class=\"column-6\">13%<\/td><td class=\"column-7\">35%<\/td>\n<\/tr>\n<tr class=\"row-98 even\">\n\t<td class=\"column-1\">97<\/td><td class=\"column-2\">HUNTINGTON NATIONAL BANK<\/td><td class=\"column-3\">$4.9<\/td><td class=\"column-4\">$14.4<\/td><td class=\"column-5\">($9.6)<\/td><td class=\"column-6\">7%<\/td><td class=\"column-7\">67%<\/td>\n<\/tr>\n<tr class=\"row-99 odd\">\n\t<td class=\"column-1\">98<\/td><td class=\"column-2\">HOMESIDE FINANCIAL LLC<\/td><td class=\"column-3\">$4.9<\/td><td class=\"column-4\">$5.0<\/td><td class=\"column-5\">($0.2)<\/td><td class=\"column-6\">26%<\/td><td class=\"column-7\">62%<\/td>\n<\/tr>\n<tr class=\"row-100 even\">\n\t<td class=\"column-1\">99<\/td><td class=\"column-2\">PLANET HOME LENDING LLC<\/td><td class=\"column-3\">$4.9<\/td><td class=\"column-4\">$5.7<\/td><td class=\"column-5\">($0.9)<\/td><td class=\"column-6\">48%<\/td><td class=\"column-7\">79%<\/td>\n<\/tr>\n<tr class=\"row-101 odd\">\n\t<td class=\"column-1\">100<\/td><td class=\"column-2\">LEADER BANK NA<\/td><td class=\"column-3\">$4.8<\/td><td class=\"column-4\">$5.4<\/td><td class=\"column-5\">($0.5)<\/td><td class=\"column-6\">38%<\/td><td class=\"column-7\">61%<\/td>\n<\/tr>\n<tr class=\"row-102 even\">\n\t<td class=\"column-1\">101<\/td><td class=\"column-2\">EVERGREEN MONEYSOURCE MORTGAGE COMPANY<\/td><td class=\"column-3\">$4.8<\/td><td class=\"column-4\">$5.6<\/td><td class=\"column-5\">($0.8)<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-103 odd\">\n\t<td class=\"column-1\">102<\/td><td class=\"column-2\">FLAT BRANCH MORTGAGE INC.<\/td><td class=\"column-3\">$4.8<\/td><td class=\"column-4\">$3.5<\/td><td class=\"column-5\">$1.3<\/td><td class=\"column-6\">17%<\/td><td class=\"column-7\">41%<\/td>\n<\/tr>\n<tr class=\"row-104 even\">\n\t<td class=\"column-1\">103<\/td><td class=\"column-2\">FIRST HOME MORTGAGE<\/td><td class=\"column-3\">$4.8<\/td><td class=\"column-4\">$5.7<\/td><td class=\"column-5\">($0.9)<\/td><td class=\"column-6\">29%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-105 odd\">\n\t<td class=\"column-1\">104<\/td><td class=\"column-2\">PLAZA HOME MORTGAGE INC.<\/td><td class=\"column-3\">$4.8<\/td><td class=\"column-4\">$7.1<\/td><td class=\"column-5\">($2.3)<\/td><td class=\"column-6\">33%<\/td><td class=\"column-7\">59%<\/td>\n<\/tr>\n<tr class=\"row-106 even\">\n\t<td class=\"column-1\">105<\/td><td class=\"column-2\">SIERRA PACIFIC MORTGAGE<\/td><td class=\"column-3\">$4.7<\/td><td class=\"column-4\">$8.8<\/td><td class=\"column-5\">($4.1)<\/td><td class=\"column-6\">41%<\/td><td class=\"column-7\">66%<\/td>\n<\/tr>\n<tr class=\"row-107 odd\">\n\t<td class=\"column-1\">106<\/td><td class=\"column-2\">RENASANT BANK<\/td><td class=\"column-3\">$4.7<\/td><td class=\"column-4\">$5.0<\/td><td class=\"column-5\">($0.4)<\/td><td class=\"column-6\">16%<\/td><td class=\"column-7\">49%<\/td>\n<\/tr>\n<tr class=\"row-108 even\">\n\t<td class=\"column-1\">107<\/td><td class=\"column-2\">LAKE MICHIGAN CREDIT UNION<\/td><td class=\"column-3\">$4.6<\/td><td class=\"column-4\">$5.6<\/td><td class=\"column-5\">($1.0)<\/td><td class=\"column-6\">30%<\/td><td class=\"column-7\">53%<\/td>\n<\/tr>\n<tr class=\"row-109 odd\">\n\t<td class=\"column-1\">108<\/td><td class=\"column-2\">HOMETOWN LENDERS INC<\/td><td class=\"column-3\">$4.4<\/td><td class=\"column-4\">$3.2<\/td><td class=\"column-5\">$1.2<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-110 even\">\n\t<td class=\"column-1\">109<\/td><td class=\"column-2\">UMPQUA BANK<\/td><td class=\"column-3\">$4.4<\/td><td class=\"column-4\">$8.0<\/td><td class=\"column-5\">($3.6)<\/td><td class=\"column-6\">26%<\/td><td class=\"column-7\">59%<\/td>\n<\/tr>\n<tr class=\"row-111 odd\">\n\t<td class=\"column-1\">110<\/td><td class=\"column-2\">FIRST HERITAGE MORTGAGE, LLC<\/td><td class=\"column-3\">$4.4<\/td><td class=\"column-4\">$3.7<\/td><td class=\"column-5\">$0.6<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">43%<\/td>\n<\/tr>\n<tr class=\"row-112 even\">\n\t<td class=\"column-1\">111<\/td><td class=\"column-2\">CELEBRITY HOME LOANS, LLC<\/td><td class=\"column-3\">$4.3<\/td><td class=\"column-4\">$4.4<\/td><td class=\"column-5\">($0.1)<\/td><td class=\"column-6\">36%<\/td><td class=\"column-7\">72%<\/td>\n<\/tr>\n<tr class=\"row-113 odd\">\n\t<td class=\"column-1\">112<\/td><td class=\"column-2\">FIRST SAVINGS BANK<\/td><td class=\"column-3\">$4.2<\/td><td class=\"column-4\">$4.0<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">47%<\/td><td class=\"column-7\">76%<\/td>\n<\/tr>\n<tr class=\"row-114 even\">\n\t<td class=\"column-1\">113<\/td><td class=\"column-2\">TCF NATIONAL BANK<\/td><td class=\"column-3\">$4.2<\/td><td class=\"column-4\">$3.2<\/td><td class=\"column-5\">$1.0<\/td><td class=\"column-6\">25%<\/td><td class=\"column-7\">58%<\/td>\n<\/tr>\n<tr class=\"row-115 odd\">\n\t<td class=\"column-1\">114<\/td><td class=\"column-2\">COMPASS BANK<\/td><td class=\"column-3\">$4.2<\/td><td class=\"column-4\">$5.9<\/td><td class=\"column-5\">($1.7)<\/td><td class=\"column-6\">3%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-116 even\">\n\t<td class=\"column-1\">115<\/td><td class=\"column-2\">GEORGE MASON MORTGAGE LLC<\/td><td class=\"column-3\">$4.2<\/td><td class=\"column-4\">$5.8<\/td><td class=\"column-5\">($1.6)<\/td><td class=\"column-6\">35%<\/td><td class=\"column-7\">56%<\/td>\n<\/tr>\n<tr class=\"row-117 odd\">\n\t<td class=\"column-1\">116<\/td><td class=\"column-2\">CHURCHILL MORTGAGE CORPORATION<\/td><td class=\"column-3\">$4.1<\/td><td class=\"column-4\">$4.4<\/td><td class=\"column-5\">($0.3)<\/td><td class=\"column-6\">31%<\/td><td class=\"column-7\">60%<\/td>\n<\/tr>\n<tr class=\"row-118 even\">\n\t<td class=\"column-1\">117<\/td><td class=\"column-2\">GMFS LLC<\/td><td class=\"column-3\">$4.1<\/td><td class=\"column-4\">$4.1<\/td><td class=\"column-5\">$0.0<\/td><td class=\"column-6\">29%<\/td><td class=\"column-7\">57%<\/td>\n<\/tr>\n<tr class=\"row-119 odd\">\n\t<td class=\"column-1\">118<\/td><td class=\"column-2\">ATLANTIC COAST MORTGAGE LLC<\/td><td class=\"column-3\">$4.1<\/td><td class=\"column-4\">$3.7<\/td><td class=\"column-5\">$0.4<\/td><td class=\"column-6\">29%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-120 even\">\n\t<td class=\"column-1\">119<\/td><td class=\"column-2\">HOMESTAR FINANCIAL CORPORATION<\/td><td class=\"column-3\">$4.1<\/td><td class=\"column-4\">$3.2<\/td><td class=\"column-5\">$0.9<\/td><td class=\"column-6\">10%<\/td><td class=\"column-7\">26%<\/td>\n<\/tr>\n<tr class=\"row-121 odd\">\n\t<td class=\"column-1\">120<\/td><td class=\"column-2\">NORTH AMERICAN SAVINGS BANK<\/td><td class=\"column-3\">$4.0<\/td><td class=\"column-4\">$5.3<\/td><td class=\"column-5\">($1.3)<\/td><td class=\"column-6\">45%<\/td><td class=\"column-7\">73%<\/td>\n<\/tr>\n<tr class=\"row-122 even\">\n\t<td class=\"column-1\">121<\/td><td class=\"column-2\">AMERICAN NEIGHBORHOOD MORTGAGE DBA ANNIEMAC HOME MORTGAGE<\/td><td class=\"column-3\">$4.0<\/td><td class=\"column-4\">$4.7<\/td><td class=\"column-5\">($0.7)<\/td><td class=\"column-6\">31%<\/td><td class=\"column-7\">53%<\/td>\n<\/tr>\n<tr class=\"row-123 odd\">\n\t<td class=\"column-1\">122<\/td><td class=\"column-2\">WATERSTONE MORTGAGE CORP<\/td><td class=\"column-3\">$4.0<\/td><td class=\"column-4\">$4.5<\/td><td class=\"column-5\">($0.5)<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">39%<\/td>\n<\/tr>\n<tr class=\"row-124 even\">\n\t<td class=\"column-1\">123<\/td><td class=\"column-2\">PENTAGON FEDERAL CREDIT UNION<\/td><td class=\"column-3\">$4.0<\/td><td class=\"column-4\">$4.1<\/td><td class=\"column-5\">($0.1)<\/td><td class=\"column-6\">12%<\/td><td class=\"column-7\">52%<\/td>\n<\/tr>\n<tr class=\"row-125 odd\">\n\t<td class=\"column-1\">124<\/td><td class=\"column-2\">EMBRACE HOME LOANS, INC.<\/td><td class=\"column-3\">$3.9<\/td><td class=\"column-4\">$5.5<\/td><td class=\"column-5\">($1.6)<\/td><td class=\"column-6\">23%<\/td><td class=\"column-7\">60%<\/td>\n<\/tr>\n<tr class=\"row-126 even\">\n\t<td class=\"column-1\">125<\/td><td class=\"column-2\">MEGA CAPITAL FUNDING INC<\/td><td class=\"column-3\">$3.9<\/td><td class=\"column-4\">$4.4<\/td><td class=\"column-5\">($0.5)<\/td><td class=\"column-6\">69%<\/td><td class=\"column-7\">89%<\/td>\n<\/tr>\n<tr class=\"row-127 odd\">\n\t<td class=\"column-1\">126<\/td><td class=\"column-2\">INTERCOASTAL MORTGAGE COMPANY<\/td><td class=\"column-3\">$3.9<\/td><td class=\"column-4\">$3.6<\/td><td class=\"column-5\">$0.2<\/td><td class=\"column-6\">35%<\/td><td class=\"column-7\">60%<\/td>\n<\/tr>\n<tr class=\"row-128 even\">\n\t<td class=\"column-1\">127<\/td><td class=\"column-2\">FIRST SAVINGS MORTGAGE CORPORATION<\/td><td class=\"column-3\">$3.8<\/td><td class=\"column-4\">$4.3<\/td><td class=\"column-5\">($0.5)<\/td><td class=\"column-6\">39%<\/td><td class=\"column-7\">61%<\/td>\n<\/tr>\n<tr class=\"row-129 odd\">\n\t<td class=\"column-1\">128<\/td><td class=\"column-2\">MUFG UNION BANK, NA<\/td><td class=\"column-3\">$3.8<\/td><td class=\"column-4\">$5.9<\/td><td class=\"column-5\">($2.1)<\/td><td class=\"column-6\">37%<\/td><td class=\"column-7\">68%<\/td>\n<\/tr>\n<tr class=\"row-130 even\">\n\t<td class=\"column-1\">129<\/td><td class=\"column-2\">STRONG HOME MORTGAGE, LLC<\/td><td class=\"column-3\">$3.8<\/td><td class=\"column-4\">$4.4<\/td><td class=\"column-5\">($0.6)<\/td><td class=\"column-6\">73%<\/td><td class=\"column-7\">91%<\/td>\n<\/tr>\n<tr class=\"row-131 odd\">\n\t<td class=\"column-1\">130<\/td><td class=\"column-2\">TOTAL MORTGAGE SERVICES LLC<\/td><td class=\"column-3\">$3.8<\/td><td class=\"column-4\">$2.8<\/td><td class=\"column-5\">$1.0<\/td><td class=\"column-6\">19%<\/td><td class=\"column-7\">46%<\/td>\n<\/tr>\n<tr class=\"row-132 even\">\n\t<td class=\"column-1\">131<\/td><td class=\"column-2\">THE MORTGAGE FIRM, INC.<\/td><td class=\"column-3\">$3.7<\/td><td class=\"column-4\">$3.5<\/td><td class=\"column-5\">$0.3<\/td><td class=\"column-6\">17%<\/td><td class=\"column-7\">38%<\/td>\n<\/tr>\n<tr class=\"row-133 odd\">\n\t<td class=\"column-1\">132<\/td><td class=\"column-2\">TOWNEBANK<\/td><td class=\"column-3\">$3.7<\/td><td class=\"column-4\">$4.4<\/td><td class=\"column-5\">($0.7)<\/td><td class=\"column-6\">21%<\/td><td class=\"column-7\">48%<\/td>\n<\/tr>\n<tr class=\"row-134 even\">\n\t<td class=\"column-1\">133<\/td><td class=\"column-2\">MORTGAGE INVESTORS GROUP<\/td><td class=\"column-3\">$3.7<\/td><td class=\"column-4\">$3.7<\/td><td class=\"column-5\">$0.0<\/td><td class=\"column-6\">18%<\/td><td class=\"column-7\">41%<\/td>\n<\/tr>\n<tr class=\"row-135 odd\">\n\t<td class=\"column-1\">134<\/td><td class=\"column-2\">ENVOY MORTGAGE LTD<\/td><td class=\"column-3\">$3.7<\/td><td class=\"column-4\">$5.1<\/td><td class=\"column-5\">($1.4)<\/td><td class=\"column-6\">30%<\/td><td class=\"column-7\">49%<\/td>\n<\/tr>\n<tr class=\"row-136 even\">\n\t<td class=\"column-1\">135<\/td><td class=\"column-2\">NBKC BANK<\/td><td class=\"column-3\">$3.7<\/td><td class=\"column-4\">$7.2<\/td><td class=\"column-5\">($3.5)<\/td><td class=\"column-6\">70%<\/td><td class=\"column-7\">76%<\/td>\n<\/tr>\n<tr class=\"row-137 odd\">\n\t<td class=\"column-1\">136<\/td><td class=\"column-2\">INSPIRE HOME LOANS<\/td><td class=\"column-3\">$3.7<\/td><td class=\"column-4\">$2.0<\/td><td class=\"column-5\">$1.6<\/td><td class=\"column-6\">4%<\/td><td class=\"column-7\">11%<\/td>\n<\/tr>\n<tr class=\"row-138 even\">\n\t<td class=\"column-1\">137<\/td><td class=\"column-2\">HOMESTEAD FUNDING CORP.<\/td><td class=\"column-3\">$3.6<\/td><td class=\"column-4\">$3.9<\/td><td class=\"column-5\">($0.3)<\/td><td class=\"column-6\">33%<\/td><td class=\"column-7\">56%<\/td>\n<\/tr>\n<tr class=\"row-139 odd\">\n\t<td class=\"column-1\">138<\/td><td class=\"column-2\">KBHS HOME LOANS, LLC<\/td><td class=\"column-3\">$3.6<\/td><td class=\"column-4\">$2.5<\/td><td class=\"column-5\">$1.2<\/td><td class=\"column-6\">1%<\/td><td class=\"column-7\">3%<\/td>\n<\/tr>\n<tr class=\"row-140 even\">\n\t<td class=\"column-1\">139<\/td><td class=\"column-2\">FULTON BANK, N.A.<\/td><td class=\"column-3\">$3.6<\/td><td class=\"column-4\">$3.1<\/td><td class=\"column-5\">$0.5<\/td><td class=\"column-6\">18%<\/td><td class=\"column-7\">47%<\/td>\n<\/tr>\n<tr class=\"row-141 odd\">\n\t<td class=\"column-1\">140<\/td><td class=\"column-2\">CHARLES SCHWAB BANK<\/td><td class=\"column-3\">$3.6<\/td><td class=\"column-4\">$6.6<\/td><td class=\"column-5\">($3.0)<\/td><td class=\"column-6\">59%<\/td><td class=\"column-7\">83%<\/td>\n<\/tr>\n<tr class=\"row-142 even\">\n\t<td class=\"column-1\">141<\/td><td class=\"column-2\">HSBC BANK USA, NA<\/td><td class=\"column-3\">$3.6<\/td><td class=\"column-4\">$4.8<\/td><td class=\"column-5\">($1.3)<\/td><td class=\"column-6\">22%<\/td><td class=\"column-7\">58%<\/td>\n<\/tr>\n<tr class=\"row-143 odd\">\n\t<td class=\"column-1\">142<\/td><td class=\"column-2\">IBERIABANK<\/td><td class=\"column-3\">$3.5<\/td><td class=\"column-4\">$5.1<\/td><td class=\"column-5\">($1.6)<\/td><td class=\"column-6\">8%<\/td><td class=\"column-7\">50%<\/td>\n<\/tr>\n<tr class=\"row-144 even\">\n\t<td class=\"column-1\">143<\/td><td class=\"column-2\">S1L INC<\/td><td class=\"column-3\">$3.5<\/td><td class=\"column-4\">$2.4<\/td><td class=\"column-5\">$1.1<\/td><td class=\"column-6\">29%<\/td><td class=\"column-7\">60%<\/td>\n<\/tr>\n<tr class=\"row-145 odd\">\n\t<td class=\"column-1\">144<\/td><td class=\"column-2\">MORTGAGE SOLUTIONS OF COLORADO LLC<\/td><td class=\"column-3\">$3.4<\/td><td class=\"column-4\">$3.3<\/td><td class=\"column-5\">$0.1<\/td><td class=\"column-6\">24%<\/td><td class=\"column-7\">54%<\/td>\n<\/tr>\n<tr class=\"row-146 even\">\n\t<td class=\"column-1\">145<\/td><td class=\"column-2\">NATIONS LENDING CORPORATION<\/td><td class=\"column-3\">$3.3<\/td><td class=\"column-4\">$4.5<\/td><td class=\"column-5\">($1.1)<\/td><td class=\"column-6\">32%<\/td><td class=\"column-7\">67%<\/td>\n<\/tr>\n<tr class=\"row-147 odd\">\n\t<td class=\"column-1\">146<\/td><td class=\"column-2\">AMERIFIRST FINANCIAL CORPORATION<\/td><td class=\"column-3\">$3.3<\/td><td class=\"column-4\">$3.3<\/td><td class=\"column-5\">$0.0<\/td><td class=\"column-6\">24%<\/td><td class=\"column-7\">44%<\/td>\n<\/tr>\n<tr class=\"row-148 even\">\n\t<td class=\"column-1\">147<\/td><td class=\"column-2\">FIRST GUARANTY MORTGAGE CORPORATION<\/td><td class=\"column-3\">$3.3<\/td><td class=\"column-4\">$4.7<\/td><td class=\"column-5\">($1.4)<\/td><td class=\"column-6\">59%<\/td><td class=\"column-7\">83%<\/td>\n<\/tr>\n<tr class=\"row-149 odd\">\n\t<td class=\"column-1\">148<\/td><td class=\"column-2\">STOCKTON MORTGAGE CORPORATION<\/td><td class=\"column-3\">$3.3<\/td><td class=\"column-4\">$2.6<\/td><td class=\"column-5\">$0.7<\/td><td class=\"column-6\">27%<\/td><td class=\"column-7\">55%<\/td>\n<\/tr>\n<tr class=\"row-150 even\">\n\t<td class=\"column-1\">149<\/td><td class=\"column-2\">LENDUS LLC DBA RPM MORTGAGE<\/td><td class=\"column-3\">$3.3<\/td><td class=\"column-4\">$7.2<\/td><td class=\"column-5\">($3.9)<\/td><td class=\"column-6\">52%<\/td><td class=\"column-7\">61%<\/td>\n<\/tr>\n<tr class=\"row-151 odd\">\n\t<td class=\"column-1\">150<\/td><td class=\"column-2\">21ST MORTGAGE<\/td><td class=\"column-3\">$3.2<\/td><td class=\"column-4\">$2.3<\/td><td class=\"column-5\">$1.0<\/td><td class=\"column-6\">0%<\/td><td class=\"column-7\">1%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-56 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>The mortgage industry is going to see a significant shift in 2022. Although rates are still near all time lows, the simple truth is the industry is out of borrowers to refinance. There have been more than $8 Trillion in mortgages originated over 2020 and 2021. For context, total mortgage debt in the United States [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2022 Mortgage Volume Predictions - Bundle<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2022 Mortgage Volume Predictions - Bundle\" \/>\n<meta property=\"og:description\" content=\"The mortgage industry is going to see a significant shift in 2022. Although rates are still near all time lows, the simple truth is the industry is out of borrowers to refinance. There have been more than $8 Trillion in mortgages originated over 2020 and 2021. For context, total mortgage debt in the United States [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/\" \/>\n<meta property=\"og:site_name\" content=\"Bundle\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bundleloan\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-03T17:01:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-16T16:31:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bundleloan.com\/blog\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-03-at-11.56.38-AM.png\" \/>\n<meta name=\"author\" content=\"Eric Mager\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ericmager\" \/>\n<meta name=\"twitter:site\" content=\"@bundleloan\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Mager\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/\"},\"author\":{\"name\":\"Eric Mager\",\"@id\":\"https:\/\/bundleloan.com\/blog\/#\/schema\/person\/94283bb24af42ea9bf6852e177593e66\"},\"headline\":\"2022 Mortgage Volume Predictions\",\"datePublished\":\"2022-01-03T17:01:36+00:00\",\"dateModified\":\"2022-03-16T16:31:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/\"},\"wordCount\":278,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/bundleloan.com\/blog\/#organization\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/\",\"url\":\"https:\/\/bundleloan.com\/blog\/2022-mortgage-volume-predictions\/\",\"name\":\"2022 Mortgage Volume Predictions - 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