Volatility isn’t new to the mortgage industry—but the flavor of it in today’s market feels different. As Bonnie Sinnock captures so well in her recent National Mortgage News article, “Mortgage pros share tips for riding out volatility,” this moment is defined less by predictable economic swings and more by a constant drumbeat of global headlines, policy shifts, and sudden changes in borrower behavior.
What’s encouraging is that across the industry, leaders are sharing how they’re staying adaptive—whether it’s by hedging interest rate exposure, diversifying secondary market outlets, or preparing for shifts in MSR recapture. These are smart, strategic responses to an unpredictable time.
But one area I think deserves special attention is how we approach regulatory change. At DLS Servicing, we’ve worked with many servicers who feel paralyzed by the ambiguity that often comes with proposed or anticipated guidance—especially from agencies like the CFPB or VA. The instinct to “get ahead” of new rules before they’re finalized is understandable. But it can also backfire.
That’s why I shared this perspective in the article:
“You need to keep honoring the spirit of existing rules. That’s how we got through the 1980s, the 1990s, and the housing crisis—and that’s how we’ll get through it now.”
It’s tempting to chase every emerging headline. But what borrowers need, and what regulators respect, is consistent, responsible servicing based on clear, current guidance. The noise will always be there. But the firms who remain focused on doing the right thing—not just the newest thing—are the ones that endure.
Bonnie’s article is full of solid insight from leaders across the industry. I was glad to contribute and even more glad to see the diversity of approaches being taken to navigate today’s complexity. The storm may not be ending tomorrow—but there are plenty of us who know how to steer through it.
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