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Navigating Mortgage Policy Shifts Under the New Administration
Blue Sage Solutions recently attended the 2025 Lenders One Summit, where industry leaders and lending professionals gathered to discuss the latest trends shaping the mortgage landscape. One standout session focused on the first 45 days of the new presidential administration—and what it means for the mortgage industry.
The discussion, led by Scott Olson (Executive Director, Community Home Lenders of America), Taylor Stork CMB (Developer’s Mortgage), and Rob Chrisman (Capital Markets Consultant, Chrisman LLC), explored a wide range of regulatory and market developments.
Key Takeaways from the Lenders One Summit 2025 Panel
Regulatory Shifts and a Potential Reset
The panel compared today’s regulatory climate to a “turning of the soil”—an aggressive reset reminiscent of post-Depression era change, but in reverse. Taylor Stork likened the current policy shifts to clearing the field for a fresh start, noting that the administration appears focused on dismantling entrenched regulations and agencies and rebuilding from scratch. While some attendees expressed concern about this uncertainty, others were optimistic about the chance to rethink outdated frameworks.
The Impact of Tariffs, Inflation, and Tax Reform
Scott Olson highlighted four macro trends to watch:
- New tariffs and their potential to drive inflation
- Efforts to repatriate manufacturing jobs to the U.S.
- The looming fight over tax policy—including the extension of provisions from the 2017 tax bill
- Government restructuring and budget cuts, including staffing reductions across federal agencies
These factors could impact both the economy at large and mortgage lending specifically, influencing interest rates, operational costs, and borrower affordability.
What’s Next for the CFPB?
The conversation turned to the uncertain future of the Consumer Financial Protection Bureau (CFPB). Panelists noted that while the agency still technically exists, its regulatory “lights” have been dimmed, currently creating a compliance gray area for lenders.
The panel cautioned lenders not to abandon best practices, even as enforcement may appear more relaxed. As one speaker wisely suggested: “Don’t run the red light just because you don’t see the cop—there are still cameras running.”
MSR Values and Borrower
Another key concern, preserving the value of Mortgage Servicing Rights (MSRs). The panel explained how regulatory decisions and market volatility could impact MSR valuations, which in turn influence borrower rates.
“Every time MSR values decline, borrower rates go up,” Stork explained. “Protecting MSRs is essential to maintaining affordability for homeowners.”
While federal deregulation efforts are underway, panelists reminded attendees that state-level regulations remain firmly in place. States like California and New York have their own mortgage rules, including RESPA laws and fair lending requirements, which lenders must continue to navigate.
A Call to Action: Stay Informed, Stay Engaged
The session concluded with a call for lenders to stay informed and actively participate in shaping the industry’s future. Whether advocating for regulatory reform, protecting MSR values, or collaborating with industry groups, the panel emphasized that “housing policy is everyone’s responsibility.”
Blue Sage’s Take
As a new member of Lenders One, Blue Sage Solutions values the opportunity to engage with forward-thinking lenders and technology partners who are driving innovation across the mortgage ecosystem. Events like this reinforce our commitment to delivering modern, cloud-based solutions that help lenders remain agile in times of change.
