The end of SaaS as we know it in mortgage lending?

For the past year, one question has been circulating across technology and financial services: Will AI replace Software as a Service (SaaS)? It’s a compelling headline. But in mortgage lending, it’s the wrong question. AI is not going to replace SaaS platforms. What it will do is far more significant. It will change how those platforms are used, and in doing so, it may make them far less visible. From interfaces to infrastructure For decades, SaaS in the mortgage industry has been defined by the interface. Users log in, navigate dashboards, click through workflows and manually move loans from one stage to the next. The experience is structured around the system itself, how it is designed, how it is organized and how efficiently someone can move through it. That model is beginning to shift. As AI becomes more embedded in lending workflows, the interface starts to fade into the background. Instead of navigating systems, like SaaS-based LOSs and POSs, users will increasingly interact with an AI layer that understands intent and executes tasks across the platform. Eventually, loan officers will not think in terms of screens or steps. They will think in terms of outcomes. Create a loan....