Expert Spotlight 3
By 2026, AI will move mortgage decisions to the very first click
Tammy R
Board Member, Prudent AI
“Any process that has handoffs, any process that doesn’t let more than one function happen at the same time, is not going to be fast enough for the consumers coming into 2026.”
Tammy predicts that transparency will shift to the very beginning of the borrower journey, giving consumers answers upfront instead of mid-process surprises.
Borrowers will control their data through digital wallets, sharing it securely and selectively. To meet these expectations, lenders will be forced to abandon siloed workflows and adopt fully connected, AI-driven operating models. Across every prediction, one theme is unmistakable: Certainty is moving upstream.
From real intelligence replacing OCR, to confident decisions in minutes, to borrower journeys that start with clarity instead of conditions—2026 won’t reward lenders who simply move faster. It will reward those who move earlier.
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