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The mortgage industry has seen significant evolution over the years, driven by changes in technology, regulatory environment, and the ever-rocky economic landscape. With the advancement of technology, including cloud, large language models (LLMs), chatbots and other artificial intelligence (AI) tools, the mortgage industry has been able to digitise almost the entire lending process. This digitisation allows lenders to save money and provide a positive customer experience for borrowers. It also reduces time spent on applications, underwrite loans, and assist with the lengthy loan verification process. Cloud technology can also expedite the underwriting process significantly.