AI in Lending Market Study
Our latest market study explores how financial institutions are putting AI to work in lending, where banking leaders see the most value, and what it will take to move from early experimentation to trusted, everyday use.
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of institutions have AI pilots or integrated AI into lending workflows.
want faster loan decisions as a top benefit of AI.
cite privacy, cybersecurity or confidential-information risk as a top concern.
From early experimentation to real momentum.
The share of institutions with AI pilots or integrated AI in lending more than doubled in less than a year, from 34% in late 2025 to 79% in July 2026.
Institutions see tangible results from AI in lending.
Financial institutions are looking to AI to solve practical challenges, improve the lending process, and create a better experience for both their teams and their customers.
want faster loan decisions.
Reducing cycle time is the top expected benefit of AI in lending.
want higher lender and underwriter productivity.
Leaders see AI as a way to help lending teams handle more work.
see significant value in controlled use cases.
The strongest expectations are tied to specific, practical applications.
There’s more to AI adoption than the headline numbers.
Download the full study to see what financial institutions want AI to improve, how adoption has changed since late 2025, and what leaders say will determine whether the technology earns their trust.
Progress depends on proving AI can be used responsibly.
While enthusiasm is high, more than half of institutions cite privacy, cybersecurity, or confidential-information risk as a top barrier. Building trust through strong governance and risk management will be essential as adoption grows.
cite privacy, cybersecurity, or confidential-information risk as a top concern.
AI delivers the most value when it augments human judgment rather than attempts to replace it. — Ravi Nemalikanti, Abrigo
Get the full AI in Lending Market Study.
AI is moving quickly, but the path forward is not the same for every financial institution. The full study looks at what lending leaders are trying, where they see real value, and what still gives them pause, from faster decisions and stronger productivity to privacy, cybersecurity, governance, and trust. You’ll also see how adoption has changed since late 2025, along with perspective from Abrigo experts on what comes next.
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