In 2021, the mortgage industry enjoyed the benefits of historically low interest rates while facing margin compression, ransomware attacks and a new administration set to reorganize the priorities of housing policy and regulation. With many predicting a wave of industry consolidation next, we'd like to ask our readers what they see on the horizon in 2022.

Some of last year’s predictions did come true, so it's now time to channel your inner Nostradamus to forecast what lies ahead.

Share your perspective by filling out the National Mortgage News survey here by Friday, October 8. Your responses will be anonymous. In a few week's time, we'll share the aggregated results.