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AI Agent Use Case: Mortgage Prequalification

Publisher IDC
Published Mar 12, 2025
Length 9 Pages
SKU # IDC19838333

Description

This IDC Perspective discusses the use case of AI agents in mortgage prequalification. Just as institutions were working through the introduction of generative AI into their technology and business environments, along come AI agents and agentic AI to add complexity to the planning and investment process. IDC Financial Insights believes that AI agents will be as fundamentally disruptive to the institutions' businesses as generative AI was (and continues to be). Prequalification for a mortgage is just one use case for a technology that will drive changes to how institutions plan investments over the next few years."Agentic AI and AI agents are unarguably the next in a flurry of technologies that have the potential to upend how financial institutions modernize into digital businesses," says Jerry Silva, program vice president for IDC Financial Insights. "But as with any powerful technology, institutions need to hyperfocus on the governance aspects of AI, including AI agents, to prevent potentially disastrous outcomes."

Table of Contents

9 Pages

Executive Snapshot

Situation Overview

What AI Agents Are, and What They're Not

Agentic AI

AI Agent Use Case: Mortgage Prequalification

What the AI Agent Is Doing

Environment

Planning (Tools and Skills)

Memory

The Benefits of AI Agents for Prequalification

Opportunities Beyond Prequalification

Challenges

Advice for the Technology Buyer

Learn More

Related Research

Synopsis

Pricing

Currency Rates
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