The pace of technology breakthroughs on a broad scale provided momentum for growth in efficiencies within the home lending community in 2024 despite ebbs and flows in loan volume.

While digital adoption in the industry has rapidly accelerated since the Covid-19 pandemic, 2024 provided evidence of how essential it has become in home finance — with both positive and negative results to show for it — and an indispensable part of mortgage's future.

Headlines frequently focused on artificial intelligence, but regulatory updates and cybersecurity trends also highlighted the role technology plays on a day-to-day basis.

Here are a few of the key technology developments over the past 12 months whose influence will continue to be felt throughout all stages of mortgage lending in 2025.