How will all the refinances affect delinquencies

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We've already seen a spike in mortgage delinquencies this year that finally came down a little last month. The 4.1 million loans in the forbearance program are not included in the delinquency count. I think we're also not taking into account the number of people who have refinanced in the past couple months and haven't had to pay their mortgage. Does anyone know the number of refinances that have occurred the past couple months? What is going to happen when the people in the forbearance program and the people who refinanced have to start paying again?