Mortgage banking is in the middle of a controlled demolition. The old scaffolding of manual processes, repetitive reviews, and paper-heavy workflows is coming down floor by floor, not because someone decided to blow it up, but because the tools to rebuild it in a new way finally exist. AI, automation, and intelligent systems are here, and they are actively reshaping who does the work, how it gets done, and what it means to compete. Historically, automation has always targeted the most...