Insights

Mortgage origination volume dropped 47% from its peak, and the institutions struggling most aren’t just those with high costs — they’re those whose legacy infrastructure can’t adapt. The lenders emerging stronger are doing something different: using the current downturn to modernize the operational foundation that will define their competitive position when volume returns.

Fintech lenders now control 38% of conventional mortgage originations — and the gap is widening. Discover why traditional banks are losing ground and what it takes to compete in today’s digital mortgage landscape.

Rising servicing costs, mounting regulatory pressure, and borrower expectations that legacy systems can’t meet are forcing mortgage servicers to rethink their operations. Institutions that have moved to intelligent, AI-driven portfolio management are cutting costs by $47 per loan annually, resolving 78% of inquiries without human intervention, and dramatically reducing compliance risk. This guide breaks down what that transformation looks like, and how to get there.