The mortgage borrowing journey isn’t just transactional — it’s emotional. Complex, lengthy, and highly manual mortgage processes leave many borrowers feeling overwhelmed and frustrated. Even when a borrower becomes a customer, the post-purchase experience often disappoints. Lenders’ ability to identify make-or-break moments and align capabilities around these moments will determine how successfully they acquire, serve, and retain mortgage customers. This report shows how lenders can transform mortgage lending by identifying moments that matter and designing experiences to better engage with borrowers in those moments.