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A New Year

The difference between survival and failure in 2014 is going to be capital and service. (Credit: Fotolia)
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Pivot

It remains to be seen if most mortgage companies have the capital on hand in order to pivot their businesses to meet the challenges of a changing market place, says industry consultant Rick Roque. (Credit: Fotolia)
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Consolidation

The need for capital will force smaller players to find partners to consolidate with, Roque continues. (Credit: Fotolia)
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Ambiguity

There is no single issue that dominates originators' preparing for 2014 and so the result is ambiguity, says Lenders One CEO Jeff McGuiness. (Credit: Fotolia)
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Outside the Box

Smaller lenders like Luxury Mortgage and First Choice Loan Services says they will survive because their size allows them to think outside the box. (Credit: Fotolia)
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Frustration

Service-oriented originators are able to anticipate documentation needs and thus avoid borrower frustration, unlike their larger competitors, adds Peter Grabel of Luxury Mortgage. (Credit: Fotolia)
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