AI Agents Take On More Mortgage Decisions and Servicing

U.S. consumer-credit and mortgage providers are increasingly using AI agents for document review, credit scoring, risk assessment and borrower communications, shifting work long handled by loan officers and servicing teams. A National Mortgage News survey of more than 150 mortgage professionals found that over half viewed credit-score analysis and AI-backed underwriting as the most transformative technology available in 2026. The shift promises more capacity in a cyclical industry while raising demands for compliance controls, human oversight and auditable records.

PYMNTS reported on July 20, 2026, that Tavant unveiled its Touchless Servicing Portal and embedded AI agent, MAYA, at the Mortgage Bankers Association Servicing Solutions Conference in Dallas. The borrower-facing system links applications, decisioning and servicing, including one-click moves from mortgage payments to refinancing. Tavant said current deployments have deflected more than 80% of routine servicing inquiries and cut refinance application time by 33%. The platform supports more than 400,000 U.S. borrowers; no investment or transaction value was disclosed.