This report identifies key demand-side trends in the mortgage business process transformation space to help enterprises fine-tune their operations. It provides an overview of key observations and business challenges that Avasant considers important to highlight in the mortgage outsourcing space.
Why read this Market Insights?
The mortgage market is experiencing a slowdown due to high interest rates and declining new originations. Increasingly stringent regulations are prompting changes across the mortgage value chain, while fintechs are expanding their share in the small-ticket loan segment. At the same time, generative AI is being widely adopted to boost productivity, streamline operations, and enhance the customer experience.
The Mortgage Business Process Transformation 2025 Market Insights™ aids organizations in identifying important market trends and expectations for any mortgage services projects that they engage in.
Methodology
The industry insights presented in this report are based on the following: our ongoing interactions with enterprise CXOs and other key executives; targeted discussions with service providers, subject matter experts, and Avasant Fellows; analyst insights from primary and secondary research; and lessons learned from consulting engagements.
Table of contents
About the report (Page 3)
Executive summary (Pages 6–9)
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- Definition and scope of mortgage process transformation
- Key mortgage trends shaping the market
- Avasant recognizes 18 top-tier service providers for mortgage process transformation services
Demand-side trends (Pages 10–15)
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- Global rate divergence is reshaping mortgage revenues, with lower-rate economies driving growth, while the US market remains constrained.
- High rates, low affordability, and locked-in borrowers continue to distort mortgage market dynamics.
- Volatile origination volumes, shifting purchase–refinance dynamics, and uneven regional recovery are redefining lender strategies and borrower accessibility.
- Structural housing shortages and affordability pressures are reshaping mortgage demand and transformation priorities.
- Digital notarization, AI, and automation are redefining mortgage operations and closing timelines.
Key contacts (Page 16)
Read the Research Byte based on this report. Please refer to Avasant’s Mortgage Business Process Transformation 2025 RadarView™ for detailed insights on the service providers and supply-side trends.