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Can AI Crack The Mortgage Approval Gap?

October 02, 2026

Mortgage applications processed with AI automation at one lender showed significantly lower decline rates in 2025 across Asian, Black, Hispanic, and white groups compared to national averages. Decline rates were 59% to 89% lower, potentially unlocking $230 billion in additional loan volume nationwide. The AI's efficiency in handling complex files may enable more approvals without loosening credit standards, supporting broader economic growth.

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