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Read the blog post: www.multimodal.dev/pioneers-content/mortgage-ai-from-an-operators-perspective Subscribe to our weekly newsletter: https://www.multimodal.dev/pioneers How is AI reshaping one of the most regulated industries in finance? Jason Harris, Strategic Initiatives Manager at American Portfolio Mortgage, joins Pioneers to unpack how AI is transforming mortgage lending from the inside out. Drawing on deep industry experience, Jason explains why a highly commoditized, Dodd-Frank–regulated market is primed for disruption, and how automation is already changing everything from underwriting to borrower experience. He shares why reducing manual processes is no longer optional, what lenders risk by delaying AI adoption, and how today’s shift mirrors past industry shakeups. The conversation also explores the broader macroeconomic backdrop, the future of interest rates, and how lenders should think about building, buying, or partnering on AI to stay competitive and scale responsibly. Timestamps: 00:00 Introduction to AI in the Mortgage Industry 02:12 Guest Introduction: Jason Harris 02:39 Evolution of Mortgage Technology 04:33 Automation and AI in Mortgage Processes 07:32 Current Applications of AI in Lending 10:34 Impact of AI on Mortgage Professionals 16:33 Macro Environment and Market Trends 22:22 Strategic Investments in AI 25:50 Build vs. Buy: AI Solutions for Lenders 29:53 Conclusion and Final Thoughts Follow Ankur Patel on LinkedIn: / ankurpatel9 Follow Ankur Patel on X: https://x.com/aapatel09 Follow Multimodal on LinkedIn: / multimodalai Follow Multimodal on Twitter: https://x.com/MultimodalAI