Independent mortgage brokers are actively taking advantage of the latest AI tools to grow their businesses. Instead of waiting for tech giants to dictate the market, originators are realizing the technology’s immediate impact.
“AI is a tool that’s going to help them go faster,” said Chuck La Flair, noting that he is seeing its impact day in and day out.
The industry is shifting away from basic chatbots and moving toward deploying autonomous AI. Bill Inman, CEO of Angel Twin, which combines AngelAI and Twin Protocol, explained that the era of prompt engineering is over.
“The age of getting answers from AI is over. The age of doing work for you is here,” Inman said. “It’s called agents.”
He emphasized that AI is coming for every industry and business, making it critical for brokers to get ahead of the curve so they can take advantage of the technology rather than falling behind.
“If you don’t have an agent that you’ve trained, how are you going to talk to them? You’re not. Google’s going to say, we’ll do it for you. I’ll send you leads when we think it’s appropriate. Pay us $1,000 a month. You have to have your own agent,” Inman said.
Enterprising mortgage professionals are also utilizing “vibe coding” to bypass expensive vendors and complex programming. Inman described this process as having an idea and letting the AI do the heavy lifting.
“You don’t even see the code anymore,” Inman said. “You just have an idea and it writes the app for you”.
Behind the scenes, these tools instantly parse guidelines and borrower documents. By adopting these systems, originators are saving immense amounts of manual effort.
Loan officers are “Saving time to do tasks that normally required them, running payments, getting pre-approval letters, calculating income, that’s stuff that they would normally have to stop and manually do, and now they can just take a picture of it and do it,” said Chuck La Flair, branch manager senior loan officer at Clear Mortgage Capital.
To push this automation even further, brokers are utilizing next-generation systems like Claude Fable 5.
For heavy professional knowledge work, brokers are turning to Claude Fable 5 — Anthropic’s fifth-generation artificial intelligence model that was released just two months ago. The tool was built as a publicly available, safety-guarded version of the company’s powerful “Mythos”-class model — a model so advanced at finding and exploiting software vulnerabilities, Anthropic deemed it too dangerous for general public use. Claude Fable 5 is specifically designed for complex coding and multi-day autonomous agent tasks, giving brokers a tireless digital partner capable of executing long-horizon origination workflows.
Internal Resistance And The Need For Leadership
Inside branch offices, fear and resistance often stall adoption simply because the technology feels overwhelming. Comparing the AI shift to past technological revolutions, Inman noted that the apprehension is natural.
“It’s scary because it’s new,” Inman said. “So that’s where their mindsets are.”
For mortgage executives, it is clear that navigating this transition requires a massive adjustment in management style. Brokerages are realizing that their fundamental approach must evolve.
Leaders must ensure their teams are “Knowing that AI is not going to really take away, it’s going to enhance their business if they adopt it,” La Flair said.
What Is AI Going To Do For You?
To break through internal resistance, leaders must show their originators exactly how this technology operates to improve their daily lives.
The initial goal of AI is not replacing employees entirely, but rather shifting the focus to efficiency.”It’s really more, right now, how can I get my time back first? … and then it’s how can I economize and make money back,” La Flair said.
Instead of an originator losing hours on a Sunday to manually run numbers and write a pre-approval letter for a demanding real estate agent, the AI instantly completes the task so the broker doesn’t have to interrupt their personal life. “It allows us to be more present because we have more time,” La Flair added.
Looking toward long-term market impacts, Inman offered a bullish economic forecast, comparing the potential AI-driven economic shift to post-WWII growth.
To prepare for future market changes, industry leaders advise mortgage professionals to engage with the technology now rather than waiting on the sidelines.
“So people want to get ahead of that… because where’s fear going to get you?” Inman said. “It’s just going to get you to stop, be frozen, and not do anything, and you really have to take advantage of this wave”.
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