I watched mortgage leaders embrace AI at The Gathering in Austin. And for good reason: The tools are getting good, the productivity math is starting to math and the competitive pressure is doing what classic IMB horse races do. I left more bullish about AI in the industry than when I arrived.

I also left with a concern that I didn’t hear enough airing. The AI conversation in mortgage is currently first-order focused: efficiency, automation, cost reduction. The harder question of how to instill confidence across the many constituencies that must trust these systems has yet to hit the headlines.

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