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As the mortgage industry begins the New Year, National Mortgage News takes a look at the biggest trends and topics that will shape 2016.
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Origination: How TRID Will Affect Lenders' Processes, Volume

The new mortgage disclosures are not expected to have a large affect on origination volume, but could have a sizable effect on lenders' processes.
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Secondary: Lenders Ready to Crank, But Will Rest of Market Cooperate?

There could be more willingness among lenders to roll back self-imposed requirements for agency loans in 2016, but secondary-market conditions will be mixed for mortgage sellers while rates and costs are poised to rise.
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Servicing: Servicers Count on Rate Hike to Improve Fortunes

Rising rates could slow the runoff from refinancings and add stickier purchase loans to servicers' portfolios. That's the good news.
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Technology: Paperless Automation Key to Lender Compliance and Competition

After lenders and their technology providers spent much of 2015 implementing the TILA-RESPA integrated disclosures, forthcoming compliance audits and a government-sponsored enterprise plan to start collecting data from the new forms will tell if those efforts truly paid off.
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Compliance & Regulation: What to Expect from Regulators in 2016

Mortgage lenders and servicers weary from a raft of regulatory changes in recent years may see some respite in 2016, but still face some tough issues ahead.
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People: Mortgage Hiring Teeters at the Tip of the Tipping Point

A number of factors, including the shift back to a purchase market and burgeoning Hispanic and millennial demographics, are expected to spur mortgage industry hiring across the board in 2016, with one major exception: appraisers.
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