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Mortgage rate increases paired with riskier loan origination surge will boost origination volumes and net revenue for lenders like LoanDepot (LDI) by 12-15% quarter-over-quarter within 120 days

Elevated mortgage rates correlating with riskier loan demand will increase credit risk for mortgage REITs (AGNC, MFA, NRZ), resulting in dividend yield compression of at least 150 basis points as spreads tighten

Rising mortgage rates will drive increased demand for subprime mortgage lenders, leading to outperformance of non-bank mortgage origination stocks (UWMC, RKT) relative to traditional banks over the next 90 days