In this episode of Lykken on Lending, David Lykken welcomes Shelley Leonard, a prominent thought leader in the mortgage technology space, for a deep dive into her journey and the innovations she's driving at Xactus. Shelley, with an impressive career that includes leading roles at Black Knight, shares her insights on the evolving mortgage industry, the challenges of scaling operations, and the integration of cutting-edge technology, including AI, to streamline workflows. The conversation touches on the future of mortgage lending, focusing on how lenders can prepare for 2025 by embracing innovations like the new FICO 10T and Vantage 4 credit models. Shelley's expertise and forward-thinking approach provide valuable guidance for industry professionals navigating this rapidly changing landscape.