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Mortgage AI shifts from experimentation to enterprise workflow adoption
HousingWire reports mortgage lenders are moving from broad interest in AI to implementation plans centered on specific loan workflows, volume and processors, with trust becoming a key factor.
AI use in mortgage lending has accelerated over the past two years, moving from early curiosity and experimentation toward enterprise-wide operational changes, according to HousingWire. Michael Vandi, founder and CEO of Addy AI, said lenders have progressed from asking what AI can do to focusing on how to deploy it inside existing loan processes.
Vandi pointed to mortgage’s workflow consistency across lenders as a reason adoption took off early. He said many lenders handle similar loan products and workflows, making it easier to spot recurring problems where AI can be applied.
He added that the industry’s AI conversations have become more operational over time. Lenders now typically arrive with a clear plan for which parts of their process they want to automate, including factors such as loan processors and loan volume, with the main challenge shifting to implementation rather than recognizing the opportunity.
HousingWire also highlighted Vandi’s view that trust is increasingly central to successful AI adoption. As mortgage AI matures, he said lenders expand engagements by seeking automation such as validation within their workflows, while prioritizing reliable deployment.