Automation in the mortgage industry is no longer a luxury -- it's a requirement for lenders expecting to be successful. However, the real problem lies with the risk-policy side of the mortgage-lending process. If the policy is good, the decision will be good. Strategies that combine risk mitigation and process automation to continuously monitor credit policies are being used by the most successful lenders in the US and they may be the answer that countless other lenders seek to be profitable, efficient and safe. Automation -- using the right tools and services -- is a key component in reacting to market changes quickly and strategically. Automation can also be used to tailor offers to individual customers that they will be most likely to accept. Automation by itself is not the answer. Working with knowledgeable partners that can provide the technology your institution needs to meet its business goals is crucial.