Addy AI Founder and CEO Michael Vandi recently joined HousingWire to discuss how AI in mortgage lending is moving from experimentation into real, enterprise-wide adoption.

One of the biggest takeaways: successful mortgage AI adoption is less about training and more about trust.

As Michael explained, mortgage professionals can learn AI tools quickly. The bigger shift happens as lenders use AI on live loans, verify its work, and gradually become comfortable giving AI agents more responsibility.

The conversation also explored how lenders are expanding AI across workflows including:

• Document validation and file review

• Loan processing and pre-underwriting

• Income analysis and operational automation

• Broader AI agent deployment across the loan lifecycle

For lenders making the most progress, AI is no longer a standalone experiment. It is becoming part of the operating model, working alongside existing teams and mortgage technology.

As adoption grows, the opportunity is moving beyond automating individual tasks toward AI agents taking ownership of entire mortgage workflows, while experienced mortgage professionals focus on higher-value work.

Read the full HousingWire conversation with Michael Vandi to learn more about the future of AI in mortgage lending and enterprise mortgage AI adoption.