Intelligent Automation:

The Foundation for AI-Ready Mortgage Transformation

 

A global IDC study of mortgage lenders, sponsored by nCino, reveals a widening gap between AI ambition and operational reality, and what it takes to close it.

 

With over 400 respondents from mortgage lending institutions worldwide, understand what the most forward-thinking lenders are doing and build the case for your own transformation.

 

 

 

 

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Why This Matters

The innovation paradox facing mortgage lenders today

Borrowers expect near-instant decisions. Lenders aspire to AI-driven origination.

 

But the data tells a different story: one of manual processes, fragmented data, and legacy systems that block transformation before it begins.

30%

of global lenders take more than 4 weeks to close a mortgage

53%

of underwriting and decisioning processes are still manual worldwide

31%

of lenders cite outdated credit risk models as their top pain point

What You'll Learn

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The AI ambition gap

Why 43% of lenders are using workflow automation and AI today, yet 53% of underwriting decisions remain manual, and what's blocking the transition.

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Intelligent automation in practice

How lenders are using AI today, from document data extraction to customer chatbots, and why automation is the essential bridge to AI-readiness.

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Modular transformation strategies

Why over half of lenders plan incremental upgrades rather than rip-and-replace and which regions are leading on modular, API-first modernisation.

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Regional benchmarks and priorities

Granular data across the UK, Europe, Australia, New Zealand, the US, and more. So you can see exactly where your market stands and where peers are investing next.

Agentic Experiences Built for Every Market

 

nCino delivers localized, AI-powered mortgage experiences tailored to meet the unique needs of lenders and borrowers in their market.

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US

nCino's agentic mortgage experience empowers FIs and IMBs to deliver an AI-powered homeownership journey, automating loan processing and closing, surfacing intelligent data insights, and giving borrowers the modern, personalized experience they expect.

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UK & Ireland

nCino’s AI-powered, omni-channel mortgage origination platform for banks, building societies, and specialist lenders. Streamlining broker channels, borrower journeys, and the complete origination workflow: from application through offer and completion.

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Australia & New Zealand

From first enquiry to settlement, nCino connects every borrower, broker, and lending team on a single platform. Faster decisions. Better experiences. A complete solution that streamlines broker channels and flexes for any mortgage product.

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Related Content

Explore regional specific infographics for the IDC research paper, and additional nCino market views.

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The U.S. Mortgage Innovation Paradox (Infographic)
Still manual, still slow. AI ambitions run ahead of manual underwriting and multiweek cycle times.
See more...
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UK&I: Broker-Centric, AI-Ambitious Markets (Infographic)
Banks are keen to foster their online origination channels, alongside a heavily dominant broker channel.
See more...
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AuNZ: Broker‑Dominant, CX‑Strong (Infographic)
Brokers drive mortgage volumes. Australia and New Zealand depend heavily on brokers and correspondents with solid but not dominant digital channels.
See more...
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On-Demand Webinar: Mortgage AI is Here
Explore the foundations that must be established, the use cases delivering value today, and the strategic approach needed to succeed with AI implementation.
See more...

DOWNLOAD THE FULL REPORT

Benchmark your institution against mortgage executives worldwide. Hear straight from the source how mortgage leaders are thinking about AI, automation, and transformation right now.