Balancing human and AI: A framework for the future of mortgage
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Balancing human and AI: A framework for the future of mortgage
"In today's mortgage landscape, success depends not on choosing between automation and people, but on balancing both to create a stronger, more adaptable organization. As the industry undergoes seismic shifts in technology and customer expectations, companies that master this balance will lead the future. In a mortgage industry shaped by volatility, compressed margins, and shifting borrower expectations, the path forward is no longer about choosing between human expertise and automation."
"The mortgage industry is emerging from a historic period of growth. Between 2020 and 2022, lenders experienced record volumes, rapid digital transformation and sustained growth. However, high interest rates, affordability gaps, and macroeconomic uncertainty have shifted the environment. The next cycle may not bring another boom, but rather a series of smaller, intense boomlets that require agility and precision. As Anesh explains, We're not in an era of sustained booms anymorewe're in an era of boomlets."
Success in mortgage lending requires integrating automation with human expertise to build adaptable, empathetic organizations. The industry moved through record volumes and rapid digital transformation from 2020–2022, then shifted due to high interest rates, affordability gaps, and macroeconomic uncertainty. Future markets will likely produce short, intense boomlets that demand speed, precision, and scalable operations without heavy fixed costs. Traditional hiring and large underutilized teams are unsustainable. Strategic technology adoption avoids both technology debt and harmful tech haste. A Technology Growth team at Moder created a framework aligning people, processes, and technology to reduce friction, preserve empathy, and deliver lasting impact.
Read at www.housingwire.com
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