Generative AI isn’t coming—it’s already rewriting how lenders operate. What was projected for 2026 is unfolding now: vendor churn, internal builds, category collapse, and intelligent automation reshaping the mortgage stack. The takeaway? Don’t wait for regulations or legacy tech to catch up. To win in lending, you need AI that understands your workflows, delivers ROI, and scales with trust. The future belongs to those who lead like it’s already here.