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Tabrasa’s Patrick H. wishes everyone a Merry New Year! Yes, 2022 is here, with its thousands of cancelled flights due to weather and omicron. Older loan officers tell me that being 20 in the seventies was much more fun than being seventy in the 20s. Things are always changing, although one thing that never changes are independent mortgage bankers who think the market is undervaluing their company. Remember all the doom and gloom predictions for mortgage volume in 2021? They were wrong, and the Mortgage Bankers Association estimates that we did a record $1.61 trillion in purchase loans last year. Not too shabby. It’s the new year, and wouldn’t it be fun, as a goal, to say you’ve had a drink (soda pop counts) in the oldest bar in each state!? Here’s your guide. Managers at lenders may need that guide this year, given rate, volume, and margin forecasts. We’re in a cyclical business, and managers enjoy expanding and hiring much more than cutting ba

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