skip to content

We use cookies to offer you a better browsing experience, analyze site traffic, personalize content and serve targeted ads. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or they have collected from your use of their services. Read how we use cookies and how you can control them in our Cookie Disclosure Policy. By using our site, you consent to our use of cookies.

Article

Mortgage Tech Garden or Mortgage Tech Grave: 10 Implementation Mistakes to Avoid

Mortgage tech garden or mortgage tech grave. 10 pitfalls to avoid in tech

Technology and AI projects in mortgage operations often start with excitement: shiny new tools promising faster turn times, fewer errors, and happier borrowers. But too often, what should become a thriving digital garden ends up as an overgrown patch of wasted effort, sunk cost, and disappointment.

Why? Because planting the seeds of mortgage tech, AI, and automation isn’t enough. Like any good gardener knows, you need to choose the right soil, nurture growth thoughtfully, and keep weeding out what holds you back.

At Indecomm, with over 15 years of mortgage operations, automation, and now, AI expertise, we’ve helped many lenders cultivate operational excellence.  And we’ve learned a universal truth: it’s not the technology itself that determines success—it’s how you plan, plant, and care for it. Our VP, Automation & Client Success, Joy Gilpin, echoes that sentiment in her Q&A on Genius tech implementations. Be sure to read it!

There are many, many pitfalls to avoid so you can ensure you are growing a thriving mortgage tech garden and not digging a deep and dark mortgage tech grave. Here are just 10 to get you started:

1. Planting Tools Without Purpose
Starting with “Where can we use AI?” rarely yields healthy growth. The better question: “Which pain points choke our efficiency most?” At Indecomm, we take a practical, use-case-driven approach: diagnosing bottlenecks and mapping AI directly to real business needs.

2. Neglecting the Soil: Data Quality
Even the strongest seed can’t thrive in rocky, inconsistent data. Our solutions, like IDXGenius | ai, are built specifically for messy mortgage documents, and we help lenders organize those documents, version them, and extract all the critical data needed to give fertile ground, ready for advancements like AI.

3. Forgetting the Gardeners: Human Oversight
Mortgage technology that incorporates AI and automation shouldn’t replace human expertise; it should free teams from repetitive tasks so they can focus on nuance and exceptions. Indecomm designs mortgage technology that supports your people, not sidelines them.

4. Ignoring process reengineering
Automating broken or outdated processes locks in inefficiency rather than removing it.

5. Skipping Water and Sunlight: Change Management
Even the best mortgage tech and mortgage AI solutions can wilt if teams aren’t prepared. Ensure your teams are ready for any new technology by ensuring proper documentation, training, and support.

6. Scope creep
Adding features or requirements mid-project without re-evaluating timelines and budgets can dilute focus, delay launch, and hurt ROI. Build in some time for changes, last-minute feature additions, or requests for customization.

7. Underestimating Integration Roots
Your tech solution needs to connect with LOS, CRM, and other systems. Ensure integrations are planned realistically and executed smoothly. Without thinking through your full mortgage tech stack, you could end up with a mortgage tech grave.

8. Planting Generic Seeds Without Mortgage DNA
Mortgage workflows and documents are unique. Indecomm’s mortgage technology and AI are purpose-built and refined by the constant flow of real-world use cases in mortgage operations. When your tech partner has deep knowledge of the mortgage industry, it will reduce friction at every step.

9. Not Measuring Growth
Without ROI tracking, it’s hard to know what’s thriving. Indecomm helps lenders measure results—cycle times, touches, and cost savings—so wins are visible and repeatable.

10. Treating Mortgage Tech and Mortgage AI as a One-Time Planting
Markets, regulations, and technology change. Ensure your tech partner sees its solutions as a living, breathing thing, continuously improving the solution and refining processes based on real-world results.

Grow Something That Lasts!
The promise of mortgage tech, especially solutions leveraging mortgage automation and AI, is to reduce risk, save time, and empower teams to focus on what truly matters. There are many more pitfalls to cover in the future. For now, we hope this helps you grow a successful and thriving mortgage tech garden.

Back to Articles