Mortgage brokers are rapidly adopting artificial intelligence and digital tools, but the next phase of competition may come down to how well those tools are actually deployed.
That’s the takeaway from a new survey by AD Mortgage, a leading Non-QM lender, which finds strong adoption across the broker channel alongside persistent gaps in integration, training, and execution.
The company’s Technology in the Mortgage Industry: 2026 Broker Survey, based on responses from more than 250 brokers, shows an industry that has embraced technology but is still working to make it a consistent production advantage.
More than half of brokers (55%) reported using AI daily or regularly, while 72% expect usage to grow significantly over the next three years.
Brokers reported applying AI across functions such as document processing, borrower communication, and workflow automation.
Even so, respondents rated their overall technology level at 7.22 out of 10, suggesting adoption is well underway but not yet fully optimized.
Despite that momentum, 54% of brokers said they remain undecided on which technologies to implement next.
That hesitation points to a growing challenge: not whether to adopt technology, but which tools will actually move the needle on efficiency, borrower experience, and volume.
Training And Integration
While 83% of brokers said they are ready to adopt new technology, satisfaction with training averaged just 6.49 out of 10.
More than half (57%) said they need additional support to fully utilize available tools, highlighting a disconnect between access and execution.
“Our survey makes it clear that the industry is ready to embrace technology, but adoption alone isn’t enough,” said Max Slyusarchuk, CEO of AD Mortgage. “The next phase is about making these tools more accessible, better integrated, and easier to use.”
Integration is emerging as a central focus, with 82% of brokers prioritizing connectivity across systems. At the same time, 33.5% said they rely on lender support to implement new technology.
The findings align with broader industry movement toward AI-driven workflows. Recent developments across the mortgage space — including advances in document automation, borrower intelligence platforms, and income verification tools — are reinforcing how quickly technology is becoming embedded in day-to-day production.
As more brokers adopt similar tools, the advantage may come down to how effectively those systems are integrated, how well teams are trained, and how quickly workflows can be streamlined.
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