美国按揭贷款人优先考虑技术投资、AI和劳动力发展,以促进2025-2026年的增长。 U.S. mortgage lenders prioritize tech investment, AI, and workforce development for 2025–2026 growth.

2025年11月对38个美国按揭贷款人进行的抵押贷款合作调查显示,技术投资,特别是在自动化、API和数字关闭方面的投资,是2025-2026年的最高战略优先事项。 The Mortgage Collaborative's November 2025 survey of 38 U.S. mortgage lenders shows technology investment, particularly in automation, APIs, and digital closings, is the top strategic priority for 2025–2026. 一半以上的放款人使用自动化和AI来进行合规和核查,而AI则加强借款人的参与。 Over half of lenders use automation and AI for compliance and verification, while AI enhances borrower engagement. 领导才能发展和雇员参与是关键劳动力重点,75%的受访者优先考虑这些方面。 Leadership development and employee engagement are key workforce focuses, with 75% of respondents prioritizing them. 通过非QM借贷、首付援助和家庭股本产品实现收入多样化是一项主要的增长战略。 Revenue diversification through non-QM lending, down payment assistance, and home equity products is a major growth strategy. 近一半正在通过数据分析和投资者多样化改进封闭后进程。 Nearly half are improving post-close processes via data analytics and investor diversification. 预防欺诈和网络安全是最高风险问题,尽管合规不是最高优先事项。 Fraud prevention and cybersecurity are top risk concerns despite compliance not being a top priority. 调查结果为TMC成员的倡议和资源提供了资料。 Findings inform TMC’s member initiatives and resources.