The combination of non-QM products moving to more conventional lenders and the ongoing efforts to bring brokers into the existing space will make technology stacks at non-QM lenders a major focus heading into the new year.
Benn Jackson (pictured top), vice president of wholesale lending at Constructive Capital, said one of the top focuses of his company heading into 2026 is to make sure the company’s technology is ready to meet growing demand.
“If you look at the industry, you know that the mortgage industry doesn’t typically evolve very quickly,” Jackson told Mortgage Professional America. “Seeing this kind of crossroads that we’re at now, it’s almost like we’re at a point where there’s not really a choice anymore. Everyone is leaning that direction, and in our strategic planning for 2026, the number one thing on that list is technology.”
Price and speed
Jackson said that when it comes to integrating technology into the non-QM space, it is all about making the process more efficient and cost-effective.
“We’re operating pretty efficiently now, but if we’re just able to pull in that technology piece and just enhance a bit more, it’s not just a small lift, it could lift the whole business 20% to 30%,” Jackson said. “As far as reducing friction in the process and having less back and forth, it helps to be able to predict the timelines better. There are two things that borrowers really care about: price and speed. Sometimes, honestly, speed outweighs price.”
