AI in the Mortgage Industry: How Brokers Are Using Technology in 2026

In 2026, digital solutions are a reality for the majority of mortgage originators. At AD Mortgage, we became curious about how brokers actually use these tools and conducted a new industry survey. Below, we present the results on the adoption of AI in mortgage industry and practical views on what to expect next. 

If you want to share your expert opinion and experience, participate in our next study: What Does Non-QM Look Like in 2026? 

How is AI Being Used in the Mortgage Industry? 

AI is a versatile tool that can be implemented in many processes – for general productivity, guideline research, income and underwriting support, marketing, lead generation, and workflow automation.  

According to our findings, over half of the respondents are active users of AI with 35% using it daily and 20% regularly. 32% of brokers are testing the technology or considering it. Only 13% of respondents do not use AI at all.

‘AI is already part of everyday workflows. The next step is to make the most of its potential to improve efficiency and decision making,’ 

– Max Slyusarchuk, CEO of AD Mortgage. 

What is even more interesting is which exact AI brokers prefer. Specialized AI tools for the mortgage industry still have room for growth, as a vast majority of respondents use general-purpose solutions.  

These are the AI tools mortgage brokers use: 

• ChatGPT or Gemini – 76.5%   
• Guideline AI – 34%   
• Underwriting/Income AI – 26%   
• Marketing AI – 20.5% 

Methodology: AD Mortgage’s 2026 broker technology survey 

AD Mortgage conducted the study in April 2026. We gathered responses from over 250 mortgage brokers through our partner network and broader professional community. 

Important topics the survey covers are the usage of AI and digital tools in the mortgage industry, barriers that slow the adoption of innovative solutions, and future technology priorities.  

Key Findings from the 2026 Mortgage Technology Survey 

Survey results include many insights that can be useful for mortgage professionals. We are sharing some findings in this article, but you can review the full survey report here. 

7.22/10 is how mortgage professionals rate the industry tech level 

New technologies do not change the market in a day. Instead, they help it gradually evolve.  

Mortgage experts describe the current market development as consistent and state that they keep up with its pace. However, the mortgage industry is still not fully optimized, and brokers see room for improvement. 

Basic digital tools are already the standard 

Tools that were innovations yesterday are now the baseline. What digital solutions do respondents name as the core parts of their day-to-day workflow? 

The most widely adopted technology is e-signature tools – 87.3% of mortgage professionals use them daily. Following closely, 82.7% of professionals rely on LOS or CRM systems, while 80.2% use pricing calculators – such as Quick Pricer by AD Mortgage – as part of their daily workflow. Even online applications, once seen as newer, are already used by 71%.

AI is an everyday reality 

55% of mortgage professionals use AI every day or regularly. The wide adoption of this technology shows that AI brings actual value to users and improves their work in numerous ways.  

AI is not a short-term trend – it is a helpful and versatile tool that most brokers are now more comfortable using in their workflows. 

Education and support are the biggest execution gaps 

While mortgage professionals are enthusiastic about new technologies, there are several barriers stopping them from adopting digital tools. Interestingly, these barriers are mostly practical, rather than theoretical or ideological. 

Only 6.49 out of 10 respondents are satisfied with the training. 57% of brokers highlight lack of training as the main gap. They also name other barriers, including security and compliance concerns (40%), cost (29.5%), and integration complexity (26.5%).

Integration is more valuable than isolated tools 

One factor that really matters to mortgage professionals is how the tool they use is integrated into their workflow. Brokers clearly state that isolated solutions do not bring the same value – 82.2% of respondents rate integration as highly important. Additionally, the average integration importance score is 8.81/10.   

33.5% of mortgage professionals want lender support in adopting new technologies. AD Mortgage is here to help. We understand the importance of interconnected solutions within one ecosystem that make work routines easier – which is why we have created the AIM Partner Portal. It offers our partners AI-powered tools that integrate seamlessly. 

‘Lenders play a key part in enabling technology. At AD Mortgage, we’re committed to supporting our partners with integrated solutions, like being the first in the industry to launch a Non-QM AUS, to help streamline the adoption of innovative tools.’ 

– Max Slyusarchuk, CEO of AD Mortgage. 

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Why AI is Becoming Part of the Mortgage Workflow 

Many brokers have everyday tasks that are repetitive and time-consuming. New technologies are being integrated into working routines to help professionals reduce manual work and free up time for the most important tasks. Communication, strategic planning, and borrower support require human interaction and involvement. This is essential because these are the actions that actually help brokers win more clients and close more deals. 

So, what manual tasks can AI help mortgage professionals complete? 

• Document management 
• Guideline research   
• Scenario review   
• Lead follow-up   
• Marketing content   
• Income calculation support   
• Pipeline visibility

AI tools support professionals by improving speed and consistency, while reducing manual work. Using the newest technologies is a way for brokers to stay ahead of the game and focus on growing their business, instead of repeating tasks. 

What Still Slows Mortgage Professionals Down? 

To understand the bottlenecks holding brokers back, it is crucial to evaluate how much time professionals spend on different steps of the mortgage process. 

Working with borrower documents and researching guidelines take most of the time – 40% and 29% respectively. Preparation of disclosures and income calculation account for 15% and 14% of time. 

This highlights that the most time-consuming parts of the process remain operational and interpretation-heavy. AD Mortgage addresses these issues. Our Quick Pricer speeds up calculations, and ADwise helps brokers navigate program guidelines. 

Adoption Gap: Brokers are Ready (but Need Help) 

Brokers are ready to adopt new mortgage technologies and use them to speed up their working process. 83% of respondents are fully comfortable with implementing innovative solutions, while 16% are partially comfortable and 1% report resistance.  

The main barrier for brokers is training, and this is reflected in a low average training satisfaction of 6.49/10 with 57% of respondents highlight the need for additional training. AD Mortgage is addressing this issue with our Learning Center. This service collects all useful information in one place – program guidelines, video tutorials, manuals and forms. 

Why Lenders Play a Bigger Role in Mortgage Technology Adoption 

As 82.2% of respondents highlight the importance of integration, it becomes clear that using stand-alone solutions is inconvenient for the majority of brokers.  

Lenders who can provide a systematic approach and integrate new technologies into existing broker–lender interactions help resolve adoption and training issues. Our findings support this with over 32% of respondents stating that they are ready to adopt digital tools with lender support. 

AD Mortgage builds an ecosystem of solutions by listening closely to brokers’ ideas and thoughtfully addressing their needs. The AIM Partner Portal offers a variety of interconnected solutions, including: 

• Non-QM AUS optimizes underwriting with instant eligibility approval, automated conditions generation, and other features
• Quick Pricer helps brokers find the right mortgage solution for your client, providing interest rate, pricing, monthly payment, and MI (where applicable) for each case
• ADvantage Loyalty Program allows partners to earn points and redeem them for benefits with cost-saving options such as appraisal credits or lock extensions

How Brokers Can Use AI and Mortgage Technology More Effectively 

Ready to try new technologies, but do not know where to start? We have collected five great pieces of advice: 

1. Start with the most time-consuming tasks, not with the most attractive tool. First, define the problem and then start looking for the best solution – this approach will help you improve your workflow, instead of trying to fit a fancy tool into the process. 
2. Be reasonably skeptical and make final judgments. While technologies have developed significantly, nothing can beat human critical thinking. Use AI for research and drafting but always handle final editing yourself. 
3. Prioritize tools that are connected with existing systems. Integrated solutions can save you time on manually transferring data and provide you with better results, as they are more familiar with other parts of your workflow.   
4. Invest your efforts in learning. To achieve meaningful results, you might need to know some extra tips. Use resources, such as the Learning Center by AD Mortgage, which can help you make the most out of the tool. 
5. Think about all stages of your workflow. When considering the workflow, most brokers name steps that are directly related to documents and loan processes. However, marketing, sales, and client support are also extremely important and can be improved with AI. For example, you can integrate a bot that automatically replies to your clients’ messages or generate social media posts in seconds. 

Conclusion: What AI Adoption Means for Mortgage Lending in 2026 

The mortgage industry is ready for development, and 83% of experts are comfortable with technology adoption. Implementing innovative tools helps brokers become more efficient, close deals faster, and better serve their clients. 

AD Mortgage is here to support our partners in adopting AI and digital solutions. We stand at the forefront of technological development with our AIM Partner Portal and welcome you to try out the innovative tools we have created. Become a Partner today: 

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