The rise of artificial intelligence has sparked both speculation and angst over what it might mean for mortgage professionals in the future, but the answers might be more encouraging than some expect.

Historically, advances in automation eventually brought transformations seen during the Industrial and Information Ages, which were marked by the elimination of certain positions. While the development of AI, machine learning and large-language models stand to make some jobs obsolete, mortgage technology leaders appear more likely today to view the technology's rise as an opportunity to optimize the current workforce and bring efficiencies into the workplace. 

So far, research from various sources support the strategy. In new research conducted by Arizent, parent company of National Mortgage News, 50% of mortgage companies responding to a survey said talent optimization was their primary goal for technology adoption, while only 16% listed headcount reduction. 

Similarly, in research looking across several industries conducted by the Federal Reserve Bank of New York, a growing share said they had ramped up AI adoption in 2025, but most did not plan to lay off staff as a result. A 47% share of service businesses expected to adjust to AI's breakthroughs by retraining staff, more than three times the 13% that expected it to cause downsizing, the central bank reported. 

Several mortgage leaders spoke to National Mortgage News and expressed their views on the future look of an industry powered by AI. Many recognize this is a pivotal development that brings transformation but also the creation of new roles.  

Responses were edited and condensed for clarity and length.