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SAN DIEGO, Calif. /California Newswire/ — The Mortgage Collaborative (TMC), a leading network of mortgage lenders dedicated to innovation and collaboration, has released its latest Pulse of the Network report, offering key insights into the challenges and opportunities shaping the mortgage industry in 2025. The survey, conducted with decision-makers-including CEOs, COOs, and department heads from banks, credit unions, and independent mortgage banks (IMBs)-highlights how lenders are preparing for a shifting market landscape.
“In a rapidly evolving mortgage environment, industry leaders are focusing on operational efficiency, strategic growth, and innovative technology to stay competitive,” said Jodi Hall, CEO and President at The Mortgage Collaborative. “Our Pulse of the Network report provides a real-time look at the industry’s top challenges and the strategic priorities guiding lenders into 2025.”
TOP INDUSTRY CHALLENGES
Lenders identified five critical issues they faced in 2024:
* Housing Inventory & Affordability – Low inventory and high home prices continue to squeeze the market, limiting lending opportunities.
* Rising Costs & Margin Pressure – Loan origination costs outpace revenue growth, driving the need for leaner operations.
* Talent & Recruitment Struggles – Finding and retaining top Loan Officers (LOs) remains a challenge as competition intensifies.
* Technology Inefficiencies – Many lenders report their tech stacks are costly and underperforming, prompting a shift toward smarter automation.
* Revenue Growth in a Tight Market – With fewer refinancing opportunities, lenders are focusing on new loan products and stronger borrower relationships.
KEY STRATEGIES FOR SUCCESS
Despite challenges, lenders are proactively adjusting their strategies and focusing on these goals in 2025:
* Boosting Loan Volume & Revenue – Expanding partnerships, launching new loan products, and enhancing digital marketing.
* Optimizing Technology – Streamlining tech stacks, automating workflows, and improving borrower experiences.
* Enhancing Talent Retention – Strengthening workplace culture, compensation, and mentorship programs.
* Building Leaner Operations – Cutting inefficiencies and leveraging AI to reduce manual workloads.
* Strengthening Industry Collaboration – Engaging in peer networks, benchmarking, and market insights.
THE PATH FORWARD
The mortgage industry is poised for transformation in 2025, and TMC’s Pulse of the Network report underscores the importance of adaptability, strategic investment, and collaboration. By focusing on efficiency, technology, and talent, lenders can position themselves for growth in an unpredictable market.
“At TMC, we believe success isn’t just about navigating today’s challenges-it’s about preparing for the future,” added Jodi Hall. “Our network is committed to empowering lenders with the insights, tools, and connections needed to thrive in any market conditions.”
For the full report visit our blog.
*To participate in our next survey, talk to us about joining TMC: set a time to talk or email us.
About The Mortgage Collaborative:
The Mortgage Collaborative (TMC) is a member-driven organization dedicated to empowering mortgage lenders across the U.S. through networking, education, and advocacy. By fostering an environment of collaboration and innovation, TMC supports the success of its members, ensuring they thrive in a rapidly evolving industry. For more information, visit www.mortgagecollaborative.com.
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Learn More: https://www.mortgagecollaborative.com
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