WASHINGTON, DC – Fannie Mae has released its latest Mortgage Lender Sentiment Survey® (MLSS), which explores lenders’ experiences with eMortgage technology, including challenges to date and adoption plans, and their business priorities for 2025.
“While most lenders expressed familiarity with eNotes, only 22% of survey respondents currently use them; however, a majority expect to incorporate them into their mortgage production in the next two years,” Fannie Mae said. “Lenders cited business process streamlining, cost-cutting, and consumer-facing technology as the top business priorities for the year, supplanting talent management and leadership, which ranked first in 2024.
Additional findings from the survey can be seen in the charts below.


