Why Compliance Matters in Mortgage Lending and How to Stay Ahead

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In lending, compliance isn’t just about regulation; it’s about building trust, reducing risk, and enabling sustainable growth. Whether you’re issuing a home equity line or underwriting a mortgage loan, lenders today are navigating a complex and shifting regulatory environment.  

At ThinkLattice, we believe compliance shouldn’t slow you down, it should support your structure and workflow. That’s why our LendOne platform was built to help streamline the ordering process for key third-party services and integrate seamlessly with the systems lenders already use to manage their lending lifecycle.  

Regulatory Shifts That Matter in 2025 

Lending compliance continues to evolve across several key areas: 

• Revised AVM Guidance: The Federal Housing Finance Agency (FHFA) and other agencies are introducing new quality control standards to reduce bias and increase accuracy of Automated Valuation Models (AVMs). 

• Fair Lending Enforcement: The CFPB and DOJ have signaled stronger enforcement of ECOA and HMDA rules, particularly around demographic reporting and lending disparities. 

• State-Level Legislation: From California to New York, individual states are passing new disclosure laws and appraisal reform measures that lenders must track in real time. 

• Cybersecurity & Data Privacy: Financial institutions are under growing pressure to handle and transmit borrower data securely and compliantly. 

How ThinkLattice Supports a Compliant Process 

LendOne functions as a centralized settlement services platform connecting lenders to property valuation, flood, title, verification, and insurance providers via secure APIs. Leveraging integrated product-centric workflow systems and our wholly owned ThinkLattice Appraisal Managment Company, we support a streamlined process that reinforces both operational efficiency and compliance best practices. 

Here’s how we help: 

✅ Structures Ordering 

LendOne ensures that key appraisal and settlement orders are submitted through a structured, trackable process. This eliminates the risks that come with emails, spreadsheets, or informal workflows.  

📋 Seamless Integration with LOS and AMC Systems 

Orders are automatically routed to partner systems that handle fulfillment. Once completed, products are delivered back into the lender’s LOS, triggering notifications and reducing manual handoffs. 

📊 Transparency Through Performance Summary 

LendOne leverages performance data from our partner systems to help clients assess vendor performance and order efficiency. 

Compliance Without the Headache 

Your compliance team shouldn’t have to chase down documents or piece together audit trails. With LendOne, you can trust that every third-party service ordered is tracked, documented, and returned in a way that supports audit readiness and regulatory consistency.  

Whether you’re managing a handful of home equity loans or supporting a growing team across multiple states, ThinkLattice gives you the tools to stay organized, compliant, and focused on your borrowers.