The second calendar year of the COVID-19-era found those in the mortgage industry making hay while making way for shrinking margins as the number of new rate-and-term refinances started to decline from record highs.

While Arizent survey respondents offered their 2022 forecast earlier in the month, we also invited industry figures to have their say. Apart from the buzz around more mergers and acquisitions ahead, leaders from all sides of the business offer their best predictions for the market conditions that we can expect in the next 12 months.