Slightly more than half of the mortgage lenders surveyed by Fannie Mae think their industry would benefit from a disruptor like Uber, but 46 percent disagree.

Lenders agreed the industry needs further digitization and automation and streamlining systems to improve efficiency.

About 95 percent of lenders say they are dependent on technology solution providers to operate their lending operations. Across the whole mortgage lending cycle from origination to loan delivery to secondary marketing to servicing, lenders see loan origination and general regulatory compliance as their top investment areas to drive operational efficiency. 

Increasing automation and improving the consumer borrower experience are the primary goals for investments in those areas.