For years, a lot of enterprise technology has been built around an idealized vision of how work should happen, not how it actually does. Nowhere is that gap clearer than in mortgage lending. Despite massive investment in software, productivity in core mortgage operations has barely improved over the last seven years. One simple data point says it all: the average fulfillment employee today closes roughly the same number of loans per month as they did in 2018. There was a brief spike during...