Mortgage servicing has evolved over the last few years. What used to feel like a purely operational, almost defensive function has taken on a new identity. When origination volumes fell, MSRs were suddenly more than a predictable stream of cash flow; they became one of the few reliable paths to revenue and growth. That shift has fueled investment in predictive analytics, intent data, and AI tools designed to spot borrowers who might refinance, move, or tap equity. These tools

By Denny LeCompte, CEO of Portnox Money attracts attackers. And where money flows, personal data follows. The mortgage industry shares that risk profile in spades. Few industries combine such high-value transactions with such concentrated personally identifiable information. Examples include: an $800,000 wire transfer sent to the wrong account; a borrower's data set quietly exfiltrated over months. These are precisely the outcomes attackers design for. And unlike Hollywood-st

Few phrases are circulating the mortgage industry faster right now than “AI agents.” The promise is sweeping: autonomous systems that can talk to borrowers, take action, and materially change how lenders and servicers operate. But as with every major technology wave, the gap between hype and real impact is wide. What separates signal from noise is not ambition, but execution. An AI agent is not just a chatbot or a scripted workflow. It is a non-deterministic system powered by

There is something uniquely clarifying about being on the ground at the Independent Mortgage Bankers Conference. IMB has always been a barometer for where this industry actually is, not where slide decks say it should be. This year, the signal was unmistakable. The mood is more optimistic than it has been in years, attendance is strong, and conversations have shifted from survival to execution. But that optimism is disciplined. Lenders are encouraged, not complacent, and the

For years, a lot of enterprise technology has been built around an idealized vision of how work should happen, not how it actually does. Nowhere is that gap clearer than in mortgage lending. Despite massive investment in software, productivity in core mortgage operations has barely improved over the last seven years. One simple data point says it all: the average fulfillment employee today closes roughly the same number of loans per month as they did in 2018. There was a brie

I grew up in Queens after immigrating to the United States from India at the age of eight. Queens is a place where hundreds of languages are spoken, where people arrive from all over the world, learn a new language, adopt a new culture, and work relentlessly to build a better life. Watching that happen up close shaped how I think about opportunity, capitalism, and the responsibility that comes with building systems that either unlock progress or quietly prevent it. You see ve

Agentic AI, the use of autonomous systems capable of independent decision making in support of customer service and sales efforts, is sneaking up on the mortgage industry. The thought of replacing employees with AI generated “bots” who are programmed to interface with consumers carries serious regulatory and compliance concerns which may limit their usefulness in external operations. In considering agentic AI we must understand the difference between using automated platforms

Generative artificial intelligence (genAI) did not arrive quietly in the mortgage industry. It burst onto the scene with accelerated timelines and forced uncomfortable questions about relevance, speed, and survival. For many leaders, AI remains a buzzword or a vague mandate handed down from the boardroom. For others, it has become an existential inflection point. The difference between those two perspectives is not technology. It is mindset and this gut-based belief that radi

The mortgage industry has been embracing the concept of speed as a marketing feature in the past several years. The idea that a mortgage loan can transition from application to closing in a flash is something that loan officers and business owners have become convinced will make them more attractive to clients. Hey, who doesn't want to apply for a loan while making their morning coffee and get approved before they have finished their bowl of cereal, right? Maybe not. About tw

The Strategic Rise of Mortgage Servicing For decades, mortgage servicing sat quietly in the background...essential, yes, but rarely viewed as the heartbeat of mortgage banking. It was historically perceived as a post-closing administrative function: collect payments, manage escrow, and stay out of trouble. Today, that world is gone. Servicing has become one of the most strategically important assets in the mortgage ecosystem, a growth engine for originators, a competitive dif

As the mortgage industry closes out 2025, servicing has become a battleground defined by what many are calling the “recapture wars.” In a market shaped by volatility, shifting rates, and heightened customer expectations, retaining borrowers has never been more critical, or more challenging. This evolving landscape presents an opportunity to connect the dots across the mortgage ecosystem to help lenders and servicers operate with greater speed, efficiency, and intelligence. Th

In today’s mortgage industry, the term “intelligent document processing” (IDP) often gets oversimplified. Many assume it’s simply about teaching machines to “read documents.” But true IDP, particularly at enterprise scale, is far more sophisticated. It represents a foundational shift in how lenders, servicers, and investors manage document-heavy workflows. At its core, IDP addresses one of the mortgage industry’s biggest bottlenecks: the inefficiency of handling, classifying,

For the summer doldrums, there is certainly a lot to report on this week: a volatile mix of legal developments, economic data, and policy...

The mortgage industry is undergoing a long-overdue transformation. For decades, high origination costs, fragmented data systems, and...

Mergers and acquisitions (M&A) are back on the rise. In today’s unpredictable economic landscape, businesses are under relentless...

Artificial intelligence (AI) is rapidly reshaping the way businesses operate, offering new levels of efficiency, accuracy, and...

I had my first misfire with Waymo this past weekend. For those who don’t know, Waymo is a fully autonomous ride-hailing service operating...

As we celebrate Jimmy Carter’s life, thoughts turn to another underappreciated one-termer, George H.W. Bush and infamous “vision” gaffe....