Revolutionizing Housing Finance with AI-Driven Data Science and Cloud Computing: Optimizing Mortgage Servicing, Underwriting, and Risk Assessment Using Agentic AI and Predictive Analytics

Someshwar Mashetty

Authors

Someshwar Mashetty Lead Busienss Intelligence, AIMIC Inc, Chantilly, Virginia, USA Author

Keywords:

AI, agent_based, predictive modeling, debt_financing, housing, disruptive, leasing, big_data, cloud_computing, servicer, foreclosures, underwriting, risk_assessment, mortgage, sic, agentic, lease, exponential_smoothing, hybrid_GBRT, residential, housing_prices, finance, lessor, dynam, rental_market, ai_agents, cre_fin, boost, mlp, tenant_profiles

Abstract

Emerging markets frequently display a "long tail" pattern in which the formal financial system may better serve a diminishing share of the population, causing those at the longer end of the tail to struggle to obtain financial services and manage their money effectively. This can be especially difficult for some groups like the poor and the rural population. AI has the potential to revolutionize how financial institutions approach serving those who bestow the cash-based economy and may have limited financial histories or literacy. Implemented correctly, it can be used to gain insight into prospective clients and refine the current understanding of customer behavior to enable the supply of safe solutions in novel ways.

Available evidence has demonstrated the incredible potential of AI in enhancing performance and efficiency, whether related to the restructuring of processes and the automation of mundane operations or to informing strategic decisions and giving data-driven insights. This is particularly noteworthy in the case of nascent fintechs that can, through AI, efficiently and effectively mimic traditional financial institutions. Naturally, AI-driven applications in housing finance are not drop-and-go solutions. This technology ought not to be viewed as a one-size-fits-all panacea, but rather as amelioratory tools used to augment business model redesign and process reengineering. The focus pertaining to AI applications shall be narrowed to the context of housing finance.

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