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The Federal Reserve is keeping rates steady at its targeted range of 4% to 4.25% and is waiting to see how President Donald Trump’s administration’s tariffs will impact the economy.

The Fed met last week and did not signal a rate decrease. “Look at the state of the economy,” Fed Chair Jerome Powell said. “The labor work is solid, inflation is low. We can afford to be patient as things unfold. There’s no real cost to our waiting at this point.” Now that this news has settled in, here is how insiders see it impacting lending going forward:

The Federal Open Market Committee on Wednesday afternoon concluded its bi-monthly meeting and announced it was holding the federal funds rate at 4.25%-4.50%.

Why leadership, innovation, and mentorship matter more than ever in the mortgage industry’s next chapter

As housing finance enters another challenging year, the mortgage business in 2025 will be significantly affected by a few emerging trends we may categorize as the good, the bad, and the ugly. Let’s begin with the ugly trends.

Mortgage activity was already slowing as uncertainty about interest rates, house price movements and employment kept borrowers on the sidelines. But President Trump’s rollout of his large-scale trade policies on Wednesday might add fuel to the fire, industry executives say.

Voxtur Analytics Corp. announces that it has adopted an “Advance Notice By-law” to establish the conditions and framework under which registered or beneficial owners of common shares of the Company (the “Shareholders”) may exercise their right to submit director nominations.

Mortgage rates remain in a volatile range despite the Fed’s decision to keep short-term interest rates unchanged. Analysts expect modest declines in mortgage rates, but uncertainty looms as economic policies—including tariffs—could keep inflation stubbornly high, limiting the Fed’s ability to cut rates later this year.

Citing that the unemployment rate has stabilized at a low level in recent months, and labor market conditions remain solid, the Federal Open Market Committee voted on Wednesday to keep the fed funds rate in the 4.25% to 4.5% range in the near-term.

Mortgage rates have been moving lower in recent weeks, even after the Federal Reserve’s decision to pause its rate-cutting cycle. But mortgage executives and housing economists don’t believe this trend will continue long enough to meaningful impact mortgage demand or home sales.