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Mortgage AI adoption is growing, but scaling remains uncommon
A survey of 31 lenders and servicers representing about 40% of the U.S. mortgage market found 25% have scaled at least one AI use case, while 59% cite regulatory uncertainty as the top barrier.
HousingWire reports that a joint survey by AARMR, the Mortgage Bankers Association, and Boston Consulting Group found AI use among residential mortgage lenders and servicers is expanding, but remains concentrated in document and productivity tasks.
According to the survey of 31 lenders and servicers representing about 40% of the U.S. mortgage market, only about 25% have scaled at least one AI use case, while 59% cite regulatory uncertainty as the primary barrier to broader implementation.
The outlet notes the survey, conducted from April through July 2026, assessed 38 AI use cases across areas including marketing and sales, origination, secondary and capital markets, servicing, and corporate functions, along with governance, investment, and adoption barriers.