You Staffed a Desk, Not a Tool: What Happens to the Underwriter When the Agent Does the File
The hard part of a mortgage AI deployment is not the model. It is the org chart. When an agent clears most of the routine work, the processor and underwriter roles change shape, the exception queue becomes the real job, and someone has to own the confidence floor as a policy decision. What we have seen change on the floor, and why the oversight role is a control an examiner expects to see named.