At the halfway mark of 2025, the mortgage market is no longer waiting on transformation, it’s in the middle of it. From demographic shifts to AI disruption, what we heard at HousingWire‘s The Gathering confirms that the next wave of lending will reward speed, intelligence, and experience above all else.
The Volume Surge Is Coming. Will You Be Ready?
Most analysts now project over $3 trillion in originations by 2027 – roughly double today’s volume. That’s 8+ million loan transactions driven by millennial and Gen Z demand, growing female homeownership, and rising immigration. Rate fluctuations aside, the demand is real and inevitable.
For lenders, this raises an urgent question: Can your operations scale with this demand or will they slow you down? If you’re still stitching together siloed tools or relying on manual review to push loans forward, you’re going to fall behind.
The Race to Delight the Borrower AND the LO
Two recurring themes dominated the conference:
- Delight the borrower with fast, transparent updates.
- Attract and retain loan officers with a tech stack that helps them earn more.
These goals are deeply connected. Borrowers today expect the “Uber effect,” a real-time visibility into their application and instant confirmation that their documents are received and progressing. At the same time, top LOs want tools that multiply their output, reduce grunt work, and ultimately increase their revenue.
TRUE enables both. By delivering instant, decision-ready data, TRUE allows borrowers to receive actionable updates within minutes of submitting documents. By automating high-effort tasks like document classification and extraction, and instantly surfacing a borrower’s income and asset situation, we give LOs back the time and clarity to close more loans and empower them with decisioning intelligence. When your tech stack drives speed and certainty, it becomes your top recruiting and retention advantage.
AI Will Drive the Divide
AI is no longer an innovation lab experiment. It’s the engine of scale for the best-performing lenders. Instead of hiring more LOs, AI is helping elite producers scale across new markets, close faster, and handle higher volumes with less overhead.
One speaker at The Gathering noted: “In a few years, the number of licensed LOs won’t double‚ but their loan volume will.” That’s already playing out. Retail market share is shrinking, and smaller lenders are losing ground to IMBs and wholesalers investing in verticalized, AI-driven operations.
TRUE is at the center of this transformation. Our Background AI approach eliminates the need for human review at every stage, while continuously updating file quality and conditions as new documents arrive. No manual review. No system stitching. Just real-time underwriting intelligence.
Solving for Inclusion, Speed, and Trust
Yes, the focus is on speed – but also on serving more borrower profiles. From aging homeowners exploring reverse mortgage options to gig workers with non-traditional income, lenders need tools that don’t just process data but understand it.
TRUE’s trusted data engine makes this possible. By instantly reconciling docs and extracting the right insights, lenders can serve complex borrowers with confidence and deliver a modern, seamless experience.
Brokerage Consolidation: Tech Is the New Differentiator
The wave of acquisitions across real estate and lending from Rocket to Lower to Compass signals that the old model of loosely connected systems is fading. Lenders either need to control more of the experience or partner with vendors who provide seamless interoperability.
This is where TRUE stands apart. We don’t require a rip-and-replace strategy. We integrate instantly and operate in the background, acting like invisible coworkers that accelerate cycle times, improve data quality, and reduce overhead.
What It All Means
Let’s be clear:
- Volume is coming. But the winners will be those who can scale intelligently.
- AI isn’t optional. It’s the new operating system for lending.
- Trusted, instant data is the lever to borrower satisfaction and LO performance.
- Tech stacks are becoming recruiting tools. LOs will flock to lenders that give them speed and certainty.
- TRUE delivers all of this now. Not a roadmap. Not a lab experiment. Operational automation that works today.
By year-end, the gap between lenders who act and those who wait will be even wider. At TRUE, we’re helping our clients land firmly on the winning side with AI that doesn’t just support your business but amplifies it.
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