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YOUR TRUSTED SOURCE FOR MORTGAGE BANKING NEWS YOUR TRUSTED SOURCE FOR MORTGAGE BANKING NEWS THEMREPORT.COM DECEMBER 2020 ALSO IN THIS ISSUE: A New Age of Housing An economist looks ahead to not only what the next year holds for the industry—but the next decade. A Look Behind the Curtain Even as the nation continues to struggling through a health crisis, here's how the non-QM market is poised for a comeback. A Shifting Landscape for Mortgage With the realities of COVID-19, lenders must take responsibility for a new reality. The Rising Data Tide Lifting Loan Quality The new Uniform Residential Loan Application could be the key to unlocking a future of clean data. Innovation by Necessity After a year of unprecedented change, economists and executives from Bank of America, Freedom Mortgage, Mr. Cooper Group, and Planet Home Lending share insights on lessons learned.