When we look into the future of mortgage lending, there are a few things that are now coming into sharp focus. First, all of the transaction data belongs to the government (in the interest of investor safety, of course). Second, the fewer intermediaries there are in the transaction, the happier the government will be (brokers, find another line of work). Third, technology will play a key role in everything because now it's all about shielding internal parties from potential co-conspirators and siphoning off information for regulator review. Compliance is everything.