Who Owns The Borrower Now?

This month, we examine the mortgage industry’s relationship with artificial intelligence in Katie Jensen’s cover story, “Terminator Tech.” While many lenders say AI will only augment loan officers, GoRascal CEO Scott Valins candidly addresses a harder truth: AI may fundamentally reshape, or even threaten, the profession, a reality he views as a catalyst for change. As rates dip, executives warn the next refi cycle may be defined less by LO competition and more by AI-driven efficiency.

We also profile Randell Gillespie in “All Ears: Randell Gillespie’s Relationship Revolution.” From the Marine Corps to mediation to mortgage lending, Gillespie has built his career around listening, trust, and adaptability — proving that human judgment and relationships remain vital, even as technology accelerates.