Mortgage technology is no longer a support function; it’s a core driver of lending performance and competitive advantage. In this conversation, Kelli Himebaugh, Executive VP of Sales & Strategy at LendingPad, speaks with Allison LaForgia about how the role of technology in mortgage lending has evolved through shifting market cycles, margin compression and what that means for lenders. Himebaugh breaks down what lenders should prioritize in a rapidly changing environment, from defining operational efficiency to building stronger, more collaborative technology partnerships.
Himebaugh began by contrasting today’s digital environment with the manual processes of the past. “When I first started visiting lenders back 23 years ago, mortgage loan files were stacked on desks, and the way information got moved between files was passing it around cubicles,” she said. “The digital innovation has come, and so now our clients today can do with AI tools, with the internet, they can do everything.”
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