Day One October 26thMonday, October 26, 2026 - PST

• Where is AI delivering the clearest measurable ROI today across origination, servicing, capital markets, compliance, and customer acquisition?
• Which mortgage workflows are genuinely being transformed by AI — and which remain overhyped, impractical, or too risky to automate?
• How are lenders, servicers, and investors quantifying gains in productivity, pull-through, cycle times, error reduction, and profitability?
• What operational, regulatory, data quality, and cultural barriers are still preventing broader enterprise-wide AI deployment?
• How are firms balancing automation with human oversight in high-risk functions such as underwriting, servicing, fraud detection, and borrower communications?
• Which emerging AI use cases are most likely to fundamentally reshape mortgage finance over the next three to five years?

• Which stages of the origination and underwriting process are seeing the greatest efficiency gains from AI deployment today?
• How are lenders using AI to reduce cycle times, improve pull-through rates, and lower cost per loan without sacrificing credit quality?
• What operational bottlenecks, documentation challenges, and repetitive workflows are most primed for automation?
• How far can AI realistically go in underwriting, income verification, condition clearing, and borrower onboarding before human oversight becomes essential?
• How are firms balancing speed, automation, and productivity gains with compliance requirements, QC standards, and fair lending concerns?
• Which AI-driven origination tools and workflow strategies are delivering the strongest measurable ROI across retail, wholesale, correspondent, Non-QM, and home equity lending?

• What investment thesis drives your firm's approach to mortgage AI, and how has it evolved given current market conditions?
• Which AI applications in mortgage—fraud detection, appraisal automation, or income verification—are you prioritizing for new investments?
• How do you evaluate regulatory risk and compliance capabilities when conducting due diligence on mortgage AI startups?
• What key metrics and milestones differentiate a Series A-ready mortgage AI company from early-stage point solutions?
• How are you guiding portfolio companies to adapt their AI strategies as origination volumes decline and market dynamics shift?

A series of interactive small-group networking discussions designed to connect mortgage executives, operations leaders, technologists, investors, and compliance professionals around the industry’s biggest AI challenges and opportunities. Participants will exchange practical insights, deployment experiences, vendor evaluations, workflow strategies, and lessons learned surrounding automation, underwriting, servicing, fraud detection, data infrastructure, and operational scale.

• How are investors, servicers, and capital markets desks using AI to improve loan pricing, hedging strategies, trading execution, and portfolio surveillance?
• What role is AI playing in MSR valuation, prepayment forecasting, delinquency prediction, and servicing cash flow analysis?
• How are securitization issuers and institutional investors deploying AI to analyze collateral pools, monitor bond performance, and identify emerging risks?
• Can AI materially improve secondary market liquidity, execution speed, and capital efficiency across mortgage finance markets?
• What operational, regulatory, model risk, and transparency concerns arise when AI increasingly influences trading, surveillance, and structured finance decision-making?
• How will AI reshape the competitive landscape for mortgage investors, REITs, servicers, warehouse lenders, and structured credit platforms over the next five years?

• How are institutional investors using AI to identify relative value opportunities across RMBS, Non-QM, HELOC, MSR, CRT, and other mortgage credit sectors?
• What role is AI playing in prepayment forecasting, delinquency prediction, cash flow modeling, and portfolio surveillance?
• How are investors leveraging AI-driven analytics to improve credit selection, asset allocation, and risk-adjusted returns in volatile rate and housing market environments?
• Can AI meaningfully enhance secondary market liquidity, trading execution, and real-time monitoring of mortgage portfolios and structured products?
• What model risk, transparency, regulatory, and overreliance concerns emerge as investors increasingly depend on AI-generated insights and predictive analytics?
• How will AI reshape competitive dynamics among mortgage REITs, hedge funds, insurers, private credit firms, and institutional fixed-income investors over the next five years?

• How are regulators, agencies, and state authorities evaluating the use of AI in mortgage underwriting, servicing, marketing, and borrower communications?
• What fair lending, ECOA, UDAAP, and discrimination risks arise when AI systems influence credit decisioning and customer interactions?
• How can lenders and servicers ensure transparency, explainability, auditability, and defensibility in increasingly complex AI-driven models?
• What governance frameworks, testing procedures, and internal controls are firms implementing to manage compliance and reputational risk?
• How should mortgage companies approach third-party AI vendor oversight, model validation, data privacy, and cybersecurity obligations?
• As AI adoption accelerates, what legal, regulatory, and litigation risks are most likely to reshape mortgage operations over the next several years?

AI is rapidly transforming every corner of mortgage finance — from underwriting, servicing, and customer engagement to securitization, investing, and risk management. But is the technology genuinely improving the industry, expanding access to credit, and strengthening decision-making — or simply accelerating existing processes while introducing new operational, regulatory, workforce, and systemic risks? In this fast-paced Oxford-style executive debate, two opposing teams of senior mortgage finance leaders, investors, technologists, and risk experts will examine whether AI is truly creating a smarter, more resilient mortgage industry — or merely a faster and more automated one. Through moderated exchanges, rebuttals, audience polling, and live Q&A, the session will explore the biggest opportunities, risks, and unanswered questions surrounding AI’s long-term impact on housing finance.