The mortgage industry has officially crossed the adoption threshold for artificial intelligence — but not the maturity threshold. Investment is rising fast, pilots are expanding and AI is now a strategic priority for most lenders.

But beneath the momentum lies a stark reality: while two-thirds of lenders are using or testing AI, only a fraction have the digital foundation to scale it. And that gap is becoming a competitive divide.

This exclusive HousingWire Research report, created in partnership with DocMagic, details how lenders are navigating AI adoption, where they anticipate the strongest returns, and the operational challenges that will determine how AI is integrated moving forward.

What you’ll learn inside:

• The real state of AI adoption in mortgage lending
  Why 67% of lenders are investing in AI — yet none consider their implementations “enterprise-grade.”
• Digitization: The hidden differentiator
  How only 38% of lenders have the digital foundation required to deploy AI at scale, and why this early-mover advantage will widen over time.
• Why 94% of lenders will depend on external partnerships
  What lenders expect from AI vendors and why governance, compliance and mortgage-specific expertise aren’t optional.
  

Don’t let these barriers stall your innovation. Download the report today and accelerate your AI strategy.