The mortgage industry loves to talk about the future. For at least a decade, that future has sounded the same: fully digital, end-to-end, frictionless. Every few years, we give it a new label: “digital mortgage,” “point-of-sale transformation,” “tip-to-tail.” Now it’s AI. Same promise, new packaging. And yet, here we are; still stitching together systems, still reconciling numbers between screens, still asking humans to interpret what machines should already know. The issue isn’t that the...