Mortgage Servicing AI - Fannie Mae Fannie Mae’s Lender Letter LL 2026 04 sets a clear expectation for how sellers and servicers govern the use of artificial intelligence and machine learning in origination and servicing. The letter is effective 120 days from publication and applies when these tools are used in connection with loans sold to or guaranteed by Fannie Mae, or when servicing loans on Fannie Mae’s behalf. For servicing leaders, this is not a call to slow down innov