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Banks and credit unions are pairing AI-driven efficiency with stable staffing and cross-training to scale mortgage production as originations rebound and technology expands capacity.

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More than half of respondents in a National Mortgage News survey predict AI-backed underwriting will fundamentally change mortgage processes in 2026.

Fannie Mae, Freddie Mac shifts and lender impact

Tara Payne is vice president for communications and the head of publications at the Bank Policy Institute.

Clara Kim is a senior vice president for BSA/AML and sanctions at the Bank Policy Institute.