Former CTO of a mortgage LOS here.

The mortgage industry is an offshoot of the real estate industry, and has a similar attitude … everything can scale with more bodies. The digital and loan part isn’t the bottleneck, the “dealing with applicants” and “shuffling documentation” gets more workers since automating the back end does little to relieve the manual and exception processes anchored between the humans on the front end.

Sales, compliance, risk and underwriting, appraisal? Not sure, but I imagine these roles would be internal and some may need to be in local markets.