The AI Riff (Ep48) - From Systems of Record to Systems of Intelligence

AI isn’t coming for the mortgage industry “someday” — it’s already knocking on the door. In this episode, the crew unpacks Andreessen Horowitz’s bold idea of moving from “systems of record” to “systems of intelligence,” and what that could mean for lenders drowning in legacy tech, APIs, CRMs, and disconnected workflows. From AI-powered loan officer assistants that can answer calls in real time to the looming cost explosion of AI tokens and API access, the conversation gets surprisingly practical — and controversial.They debate whether AI will truly become agentic enough to replace human expertise, or if the real future is smarter orchestration layered on top of existing systems. Along the way: compliance headaches, AI licensing, the future of loan officers, and why the mortgage industry may be closer to disruption than most people realize. a16z article: https://open.substack.com/pub/a16z/p/from-system-of-record-to-system-of