On this week’s The Big Picture, Jay Arneja of nCino joins the show for a forward-looking conversation on where mortgage technology is headed and why progress sometimes feels slower than it should. With more than 25 years at the intersection of lending, partnerships, and digital transformation, Jay brings a candid perspective on the structural challenges facing banks and lenders as they adapt to shifting policy signals and evolving borrower expectations.

We dig into the role of AI, data standards, and digitization in modernizing the mortgage process, along with updates on remote online notarization, eNotes, and the push toward a truly paperless closing. The conversation also explores factory-built housing as a potential affordability solution and what meaningful innovation actually requires from lenders, regulators, and tech partners. It’s a straight-shooting discussion on the future of mortgage infrastructure, and what needs to happen next to move the industry forward.