The Consumer Should Be the Starting Point

Most conversations about AI in mortgage start with the lender: how to make loan officers more productive, automate fulfillment, reduce cost and improve execution.

This paper starts somewhere else. What happens when the consumer, not the lender, servicer or lead marketplace, owns the starting point? 

I explore how AI, consumer-permissioned data, and increasingly automated mortgage infrastructure could change distribution, competition, and ultimately who owns the customer relationship.