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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.

In this edition, National Mortgage Professional proudly celebrates nine exceptional individuals whose contributions set them apart. With careers spanning 10 years to over four decades, these Titans represent the spectrum of leadership, from rising stars to seasoned executives in the C-Suite.

The Executive Team of PROGRESS in Lending has named the top industry innovations of the past year. This honor is the Gold Seal when it comes to recognizing true industry innovation.

I’ve written numerous articles about this transition, but today I want to highlight a significant difference between the past and the future reports.

Interest rates will stay higher for longer as the Federal Reserve pauses further interest rate cuts to give inflation room to drop closer to its 2% target rate.