'I think it's going to be a period that has some challenges and there will be winners and losers,' Rick Aneshansel, incoming president of U.S. Bancorp's home-lending unit.

End of Refi Boom Could Trigger Consolidation: U.S. Bank's Aneshansel

U.S. Bank's incoming mortgage president argues that purchase volume will not make up for the drop in refinancing, and that some lenders will have little choice but to quit the business or pair up with a competitor.

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