MReport December 2020

TheMReport — News and strategies for the evolving mortgage marketplace.

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M R EP O RT | 3 M R EP O RT | 3 CO NTE NTS 12 THE ONLY CONSTANT IS CHANGE The housing market has remained a bright spot among 2020's many twists and tragedies. From tech and managing capacity to adapting to rapidly shifting borrower needs, mortgage experts break down the key takeaways our industry will carry into the new year. 18 A NEW AGE OF HOUSING An economist looks ahead to not only what the next year holds for the industry—but the next decade. 22 A LOOK BEHIND THE CURTAIN Even as the nation continues to struggle through a health crisis, here's how the non-QM market is poised for a comeback. 26 A SHIFTING LANDSCAPE FOR MORTGAGE With the realities of COVID-19, lenders must take responsibility for a new reality. 32 THE RISING DATA TIDE LIFTING LOAN QUALITY The new Uniform Residential Loan Application could be the key to unlocking a future of clean data. EXPERT INSIGHTS 25 RECONSIDERING DOWN PAYMENT ASSISTANCE Richard Ferguson is the President of CBC Mortgage Agency DEPARTMENTS 4 MTECH The Data Driving the Industry 7 MDWELL Homeowners vs. Renters: Population Trends Across America 9 FROM THE SOURCE 10 MCROWD

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