{"id":63764,"date":"2026-08-12T03:00:22","date_gmt":"2026-08-12T01:00:22","guid":{"rendered":"https:\/\/housesmarketplace.com\/lenders-urged-to-solve-business-problems-before-adopting-ai\/"},"modified":"2026-08-12T03:00:22","modified_gmt":"2026-08-12T01:00:22","slug":"lenders-urged-to-solve-business-problems-before-adopting-ai","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/lenders-urged-to-solve-business-problems-before-adopting-ai\/","title":{"rendered":"Lenders urged to solve business problems before adopting AI"},"content":{"rendered":"
\n

Mortgage lenders that adopt \u0438\u0441\u043a\u0443\u0441\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442<\/a> should focus first on the business problems they\u2019re trying to solve rather than chasing the latest technology, according to panelists who spoke Tuesday at HousingWire's<\/strong> \u0421\u0430\u043c\u043c\u0438\u0442 \u0418\u0418<\/a>.<\/p>\n

Amanda Tucker<\/a>, chief risk and compliance officer at \u0413\u0440\u0443\u043f\u043f\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f \u0410\u0442\u043b\u0430\u043d\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0437\u0430\u043b\u0438\u0432\u0430<\/strong>, \u0438 Michael Crockett<\/a>, \u0433\u043b\u0430\u0432\u043d\u044b\u0439 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u041a\u0441\u0430\u043a\u0442\u0443\u0441<\/strong>, said the growing number of AI tools entering the mortgage market can make it difficult for lenders to determine where the technology can deliver meaningful value.<\/p>\n

\u201cThe first thing that we are focused on is what is the business problem that we\u2019re trying to solve versus what is the AI solution,\u201d Tucker said.<\/p>\n

The distinction is particularly important when AI is consumer-facing or involved in decision-making. Lenders need to understand a technology\u2019s controls and ensure employees are properly trained, Tucker said.<\/p>\n

Crockett said implementing AI does not eliminate the need for human oversight or regulatory compliance<\/a>. Automated decisions remain subject to \u0441\u043f\u0440\u0430\u0432\u0435\u0434\u043b\u0438\u0432\u043e\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435<\/a> rules and other requirements, and lenders must continue monitoring systems as data and models change.<\/p>\n

\u201cMost will say once we implement and adopt AI, then they expect that the compliance component goes away,\u201d Crockett said. \u201cThat\u2019s not the case.\u201d<\/p>\n

The most immediate opportunities may be in repetitive, manual tasks that consume employees\u2019 time. Tucker said Atlantic Bay is evaluating how AI can support growth without adding headcount by freeing employees to focus on customer-facing work, decision-making and strategic tasks.<\/p>\n

Potential applications include reviewing legal documents and vendor contracts, analyzing mortgage guidelines, and supporting quality control<\/a> and compliance monitoring. Tucker emphasized that AI is not intended to replace employees in these functions but to help them process information more quickly and devote more time to analysis.<\/p>\n

Lenders can test AI on a small scale over several days, particularly for noncritical functions, Tucker said. Enterprisewide deployment, however, should be a multimonth process that includes due diligence, governance standards, success metrics and ongoing monitoring.<\/p>\n

Lenders also should work with technology vendors to establish how those controls will operate. Vendors that cannot clearly explain their governance, monitoring or evaluation processes may not be ready for deployment, Tucker said.<\/p>\n

Regulatory changes<\/a> add another challenge as lenders deploy AI while state and federal requirements continue to evolve. Companies could be forced to modify systems already operating in production as new rules emerge.<\/p>\n

Employee adoption<\/a> also can pose challenges. Workers may question AI-generated results or worry that the technology will replace their jobs, Crockett said. Lenders should communicate clearly about how AI will be used and position it as a tool to enhance employees\u2019 work rather than replace them.<\/p>\n

For lenders deciding where to deploy AI, Tucker recommended asking employees which parts of their jobs create the greatest workload and where teams are increasingly requesting additional staff.<\/p>\n

These pain points can help identify repetitive tasks that AI could automate, creating opportunities to increase scalability without adding headcount.<\/p>\n

This article was generated using HousingWire Automation and reviewed by a HousingWire editor before publication.<\/em><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Mortgage lenders that adopt artificial intelligence should focus first on the business problems they\u2019re trying to solve rather than chasing the latest technology, according to panelists who spoke Tuesday at HousingWire\u2019s AI Summit. Amanda Tucker, chief risk and compliance officer at Atlantic Bay Mortgage Group, and Michael Crockett, chief operating officer at Xactus, said the […]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63764","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nLenders urged to solve business problems before adopting AI - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/lenders-urged-to-solve-business-problems-before-adopting-ai\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lenders urged to solve business problems before adopting AI\" \/>\n<meta property=\"og:description\" content=\"Mortgage lenders that adopt artificial intelligence should focus first on the business problems they\u2019re trying to solve rather than chasing the latest technology, according to panelists who spoke Tuesday at HousingWire\u2019s AI Summit. 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