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W.C. Fields said, “Money will not buy happiness, but it will let you be unhappy in nice places.” Unfortunately, many people have much less of it, and here’s a quiz to start the week. What are -68 percent, -66 percent, -60 percent, -40 percent, -13 percent, and -2 percent? They are all the stock performance since their initial public offering, or SPAC merger, of well-known companies in the residential mortgage business. And the numbers aren’t even the decline from their price highs, which would look much worse. In order of a hit taken: Home Point, loanDepot, Finance of America, United Wholesale, Rocket, and Guild. (Thank you to California’s Jeff B. for sending.) Every deal was different, but many analysts are questioning the franchise value of pure TPO (broker and

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