The Pulse.
Mortgage Tech Pulse Report
Welcome to the inaugural Fignum Mortgage Tech Pulse, a new research initiative designed to take an annual look at the technology opportunities and challenges facing mortgage lenders. Technology is now a way of life in financial services and technology, and data strategies are key to success.
Over 40 lenders representing the high street, large and regional building societies, as well as the specialist lending sector, took part in the research at a time when the lending landscape continues to shift and evolve to meet continual needs of brokers and consumers.
The research focused on 6 key areas – Technology & Strategy, Customer Experience & Digital Capabilities, Data Analytics & Decision Making, Operational Efficiency & Integration, Regulatory & Compliance Technology and Innovation & Emerging Technologies. In most cases, lenders shared data covering the 2024 to 2025 calendar year.
Based on the lender interviews, the research has identified five overarching themes that define the current landscape and will shape the industry’s trajectory over the next 2-3 years:
• The Paradigm Shift: From Project Based to Continual Technology Change – the era of ‘one and done’ is over
• Standing Still Equals Falling Behind: The Rising Cost of Inaction – a tipping point has been reached
• Partnership Over Product: The Supplier Relationship is Mission-Critical – technology selection is a strategic decision, not a procurement exercise
• Origination Advances While Servicing Lags: A Strategic Imbalance – investment has been front-loaded
• Data as a Strategic Asset: The Foundation for Intelligent Automation – from process automation to data driven decision making
Click the button below to download a copy of the full 2026 report.
If you have any questions or would like more information please contact Steve Carruthers at steven.carruthers@fignum.com or 07908 014146