Why Lenders Are Doubling Down on eMortgage Tech and What It Means for Title Agents

The mortgage industry is at an inflection point. 

According to Fannie Mae’s Q2 2025 Mortgage Lender Sentiment Survey, lenders are rethinking their priorities, and efficiency is now the top goal. The survey reveals that process improvement and cost reduction have overtaken borrower acquisition as top business priorities, a clear sign that operational streamlining is no longer optional.

This shift comes as housing affordability challenges persist and margins tighten. Lenders know they need to do more with less and move faster. The result is a surge in investment and adoption of eMortgage technology across the board.

So what does that mean for title professionals? The short answer: it is time to meet lenders where they are headed.

The Data: Why Digital is Winning

The Fannie Mae survey highlights a clear trend. Lenders are prioritizing digital solutions that eliminate friction and speed up closings. Among the key findings:

• Cost pressures are shaping decisions. Over 70% of lenders surveyed said reducing costs is a top strategic priority for the next 12 months.
• Digital adoption is accelerating. Nearly 90% of lenders report using at least some form of eClosing, and the use of Remote Online Notarization (RON) continues to rise year over year.
• Integration matters. Lenders rank seamless integration with existing workflows as a top criterion when choosing tech partners.
  

These insights confirm what the market has been signaling: speed, efficiency, and compliance are now competitive advantages. Traditional paper-heavy processes cannot keep up with these demands.

How Proof Helps You Align With Lender Priorities

When lenders move toward digital mortgages, they expect their partners, including title companies, to keep pace. If your workflows still rely on mailbacks, in-person notarizations, or manual identity checks, you risk being the bottleneck in a process lenders are actively trying to optimize.

This is where Proof can help title agents transform from a cost center into a competitive edge.

Proof’s platform was designed for the real estate industry’s most pressing challenges: speed, fraud, and compliance. Here is how our capabilities map directly to what lenders want:

Faster Closings, Fewer Errors

Lenders are focused on efficiency and so are we. With Proof, title agents eliminate up to 157 minutes per closing and reduce error rates by 31%. That means fewer redraws, fewer delays, and happier clients on all sides.

• eClosings and hybrid closings cut paper from the equation
• Real-time collaboration keeps lenders and title agents in sync
• Trailing documents can be signed digitally so the entire transaction moves faster
  
  

Fraud Prevention at High-Stakes Moments

Wire fraud remains the number one threat in real estate, and lenders know a single incident can cost millions. Proof adds identity verification at every critical point such as POAs, earnest money deposits, and wire instructions to make sure every participant is who they claim to be.

• Credential analysis and biometric checks
• Automated fraud signals to flag risky behaviors
• Full audit trails to stand up in court if needed
  

Compliance Without Headaches

The survey underscores lenders’ need for solutions that meet evolving regulations without slowing the process. Proof dynamically adjusts to state-by-state RON laws and provides full audit logs that simplify regulatory reviews.

• Built-in compliance with local, state, and federal guidelines
• eRecording eligibility built into the platform
• Detailed identity logs for every transaction
  

Seamless Integration With Lender Tech

Lenders cited integration as a top decision factor, and Proof delivers. Our platform works with Resware, SoftPro, EllieMae, and other major LOS tools, so you do not need to rip and replace.

• Quick onboarding and white-glove support
• Minimal disruption to your existing workflow
• Scalable across multiple offices and states

Go Where The Industry Is Headed

Fannie Mae’s research confirms what title agents have felt for years. The market is moving fast, and those who embrace digital will lead the way. Lenders want partners who can match their pace while safeguarding every transaction against risk. Proof makes that possible with technology that combines efficiency, security, and compliance in a single platform.

If your goal is to stay indispensable to your lender partners, now is the time to invest in tools that deliver measurable impact:

• 157 minutes saved per closing
• $443 average cost savings per loan
• 31% reduction in document errors
• 24/7 access to trusted notaries
  

Ready to align with where the industry is headed? Let’s make every closing faster, safer, and smarter.