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Here's a look at key findings from the 2019 Best Mortgage Companies to Work For survey, highlighting the qualities that distinguish companies on the list from those that are not, and how the offerings from small, medium, and large companies on the list compare.

National Mortgage News is pleased to present the inaugural Best Mortgage Companies to Work For, a survey and awards program dedicated to identifying and recognizing the industry's best employers and providing organizations with valuable employee feedback.

Nonbank lenders are gearing up for new secondary market requirements and must make some difficult choices about whether to buy, sell or hold mortgage servicing rights, says Ruth Lee, the executive vice president of MorVest Capital.

The expected decline in conventional mortgage volume may open the door for more non-qualified mortgage lending as secondary market investors seek new opportunities to deploy capital, says Tom Millon, CEO of Capital Markets Cooperative.

Mortgage technology is rapidly advancing, with incumbents and new entrants scrambling to take advantage of developments in artificial intelligence and automation. The goal? Beat the customer expectations set by Amazon and Uber, not just other lenders, says KPMG Managing Director Teresa Blake.

By honing her ability to fix inefficiencies and identify new profit opportunities, Mary Ann McGarry broke down gender barriers and found success as CEO of Guild Mortgage. The key, she says, is remaining adaptable and collaborative without losing focus on end goals.

Liquidity, products and pricing are the main concerns for the secondary mortgage market in 2019.

These days, no wedding is complete without a hashtag combining the happy couple's names. It got us thinking: Why not give mortgage industry M&A deals the same treatment?

As the mortgage industry braces for even more market uncertainty in 2019, emerging technologies that improve the borrower experience and streamline back-office tasks may provide a glimmer of hope to beleaguered lenders.

The mortgage industry heads into 2019 with little relief from the market strains of the past three years. To succeed — or at least survive — lenders must confront major questions about demand, affordability and market consolidation.