Tag Archives: Pulse of the Network

Mortgage Collaborative releases Pulse of the Network survey results and analysis

SAN DIEGO, Calif., Jan. 30, 2026 (SEND2PRESS NEWSWIRE) — The Mortgage Collaborative (TMC), the nation’s leading independent cooperative network for mortgage lenders, today released results from the latest Pulse of the Network survey, along with an analysis examining how mortgage lenders are prioritizing technology, operational efficiency, and growth strategies amid continued market pressure. The recent survey reflects insights from 38 member organizations, including independent mortgage banks and depository institutions across the United States.

Image caption: The Mortgage Collaborative.

“The Pulse of the Network gives us a clear, unfiltered view of what’s shaping lender decision-making right now,” said Jodi Hall, president and CEO of The Mortgage Collaborative. “Our members are balancing cost discipline with long-term competitiveness, and the data shows that technology, people, and partnerships are central to that equation.”

Findings from The Mortgage Collaborative’s November 2025 Pulse of the Network survey show technology implementation as lenders’ top priority for 2025–2026, driven by efforts to reduce origination costs, streamline operations, and improve the borrower experience.

KEY SURVEY HIGHLIGHTS INCLUDE:

Technology investment leads strategic priorities. Technology solutions ranked as lenders’ top priority, with many respondents focused on APIs, automation, and digital closing tools to reduce costs and improve efficiency across the loan lifecycle.
Automation and AI adoption continue to accelerate. More than half of respondents reported using APIs and automation for verifications and compliance, while lenders increasingly deploy AI-powered platforms to enhance borrower engagement and operational workflows.
Leadership development is a growing focus. More than three-quarters of respondents cited leadership development and employee engagement as key initiatives, reflecting increased emphasis on workforce optimization, succession planning, and performance measurement.
Revenue diversification remains a top growth strategy. Lenders are expanding into non-QM lending, down payment assistance programs, and home equity products to capture market share and strengthen purchase-focused business models.
Secondary market execution is under closer scrutiny. Nearly half of respondents are prioritizing post-close process improvements, investor diversification, and data-driven analytics to reduce execution risk and improve profitability.
Compliance remains complex, with fraud prevention a top concern. While compliance ranked lower in overall priority, more than half of respondents identified fraud prevention and cybersecurity as their most significant risk management challenges.

TMC uses Pulse of the Network findings to inform its strategic initiatives, conference programming, and partner solutions, ensuring members have access to relevant insights and collaborative resources aligned with current market conditions.

The full Pulse of the Network survey analysis is now available. Readers can access the published summary here.

ABOUT THE MORTGAGE COLLABORATIVE

The Mortgage Collaborative (TMC) is a membership-driven organization that empowers mortgage lenders nationwide through collaboration, education, and advocacy. TMC brings together independent mortgage banks and depository institutions to share insights, solve industry challenges, and strengthen long-term performance. For more information, visit www.mortgagecollaborative.com.

NEWS SOURCE: The Mortgage Collaborative

This press release was issued on behalf of the news source (The Mortgage Collaborative), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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TMC July 2025 Pulse of the Network survey finds mortgage lenders leaning into automation, leadership development, and product innovation to stay competitive

SAN DIEGO, Calif., July 28, 2025 (SEND2PRESS NEWSWIRE) — Amid one of the mortgage industry’s most prolonged stretches of cost pressure and market uncertainty, the latest Pulse of the Network survey from The Mortgage Collaborative (TMC) reports that lenders are responding with creativity and nimble thinking, anchored by a clear commitment to long-term resilience.

Image caption: The Mortgage Collaborative (TMC) logo.

Conducted biannually, the Pulse of the Network taps the collective insight of TMC’s diverse national membership of independent mortgage banks (IMBs) and depositories. The July 2025 edition offers a real-time look at how lenders address rising origination costs, evolving compliance risks, and the challenge of developing talent in a hypercompetitive environment.

“Our members aren’t merely reacting to the market, they’re actively rethinking how to deliver, lead, and grow,” said Jodi Hall, president and CEO of The Mortgage Collaborative. “This survey shows the powerful role collaboration plays in helping lenders make confident, strategic decisions in uncertain times.”

Key Survey Highlights:

Automation is no longer optional. 100% of respondents reported plans to increase automation through 2026, specifically focusing on AI-powered customer platforms, API-driven verification tools, and digital closing solutions to reduce costs, improve borrower experience, and reduce the cost of producing a loan.
Leadership development is climbing the priority list. With teams operating leaner, lenders are investing in upskilling and succession planning to cultivate the next generation of industry leaders. This includes cross-functional training and a continued focus on driving their business based on operational KPIs.
Revenue diversification is a top strategy. Lenders are expanding their product offerings to include non-QM loans, Reverse mortgages, HELOCs, and DPA programs, to grow market share in a challenging rate environment and forge stronger builder relationships to capture purchase business.
Secondary market execution is under scrutiny. Lenders are improving loan sale processes and pricing flexibility while leveraging data analytics to forecast performance and reduce early payoff exposure.
Compliance remains complex and evolving. State-level oversight is taking center stage in compliance conversations, as lenders navigate a strategic balance between tech-enabled efficiencies and rigorous risk management.

“This Pulse confirms a central truth: in today’s mortgage industry, success belongs to those who share, adapt, and lead together,” Hall added.

Read the results here: July 2025 Pulse of the Network Survey Results

About The Mortgage Collaborative

The Mortgage Collaborative (TMC) is a membership-driven organization that empowers mortgage lenders across the United States through networking, education, and advocacy. TMC fosters an environment of collaboration and innovation, ensuring its members succeed regardless of market conditions. For more information, visit https://www.mortgagecollaborative.com/.

NEWS SOURCE: The Mortgage Collaborative

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Lending execs share top concerns, priorities in The Mortgage Collaborative’s 2024 Pulse of the Network survey findings

AUSTIN, Texas /ScoopCloud/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced the completion of its "Pulse of the Network" survey for 2024. The full report features lenders' top five critical issues for the year, top 10 goals and anticipated strategies for success.

Select findings from this year's report are as follows:

Top Concerns

When asked to rank-order the most critically important issues facing mortgage lenders today, respondents identified business development as their top concern. And while 36.7% of respondents have their sights set on expansion, three in five respondents said they were more worried about attaining or retaining profitability than growing market share.

Top Priorities

Unsurprisingly, respondents identified growing volume as their top objective for 2024. To that end, they're looking at recruiting processes (21% are working with recruiters) and diversifying referral relationships to ensure their companies are set to take advantage of every opportunity. And while implementing new technology ranked relatively low among mortgage business objectives for 2024, respondents flagged customer relationship management (CRM) platforms as the one part of the tech stack they'll prioritize evaluating this year.

"Based on this year's survey results, lenders' priority for 2024 seems to be getting better but not necessarily bigger," said TMC President and CEO Melissa Langdale. "The compounding effects of rising interest rates, low inventory and affordability challenges have battle-tested lenders over the last year, and with some measure of relief on the horizon in the form of expected lower interest rates, lenders are planning to use this breathing room to improve operations, maximize existing opportunities for new business and shore up reserves that may have been depleted in the pursuit of survival in 2023."

To inquire about the full findings from this year's survey, contact mlangdale@mtgcoop.com.

Methodology

Two thousand mortgage lending executives from TMC's lender member network of independent mortgage bankers (IMBs), banks and credit unions across the United States were invited to participate in the survey. Of those who responded, 49% were independent mortgage bankers (IMBs), 44% were banks and the remaining 7% were credit unions. All respondents were key decision-makers, more than half of them holding C-suite positions or their equivalent (CEO, COO, CLO, President, or Head of Operations). All responses were collected between December 15, 2023, and January 15, 2024.

About The Mortgage Collaborative:

The Mortgage Collaborative was founded in 2013 by four notable industry leaders and is the nation's largest independent mortgage cooperative network. TMC is singularly focused on creating an environment of collaboration and innovation for small to mid-size mortgage lenders across the country to reduce cost, increase profitability, and better serve the dynamic and changing consumer base in America.

For more information, visit http://www.mortgagecollaborative.com/

The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced the completion of its "Pulse of the Network" survey for 2024. The full report features lenders' top five critical issues for the year, top 10 goals and anticipated strategies for success.

Related link: https://www.mortgagecollaborative.com