AI Adoption - Overcoming Resistance for Business Success

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In this episode of the podcast, Jeremy speaks with Paul Gigliotti, Chief Growth Officer at Prudent AI, ahead of their appearance at the upcoming California Mortgage Bankers Association (CMBA) Mortgage Innovators Conference. The conversation explores how mortgage lenders can set realistic expectations for innovation—and how AI is reshaping core mortgage processes.

???? Top 3 Insights from This Episode:

1. What Won’t Change in Mortgage Innovation?
Drawing from Jeff Bezos’ famous innovation framework—“what will not change?”—Paul shares how AI adoption in mortgage must still navigate the same timeless challenges:

Change management remains complex

Legacy systems and workflows are sticky

Training (both human and AI tools) is essential

2. Rethinking the Mortgage Process Flow
AI gives lenders the flexibility to move income collection and analysis earlier in the funnel. Tasks that traditionally happened late in the loan process can now accompany the 1003 or even come in before a property is selected, driving efficiency and better underwriter prep.

3. Stop Chasing Lower Costs—Focus on Efficiency
Despite the hype, AI in mortgage won’t automatically lower costs. Instead, expect workforce repurposing and new paths to profitability. Efficiency and scalability—not cost-cutting—are where true value lies.

???? Whether you're attending #CMBAInnovators or simply exploring the future of mortgage technology, this episode offers a grounded look at what’s next in AI-driven transformation for mortgage lenders.

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