This is an interestig question to evaluate for the mortgage industry: We have tried to automate the industry to enhance the customer service experience when it comes to the original application to collecting documents. As a loan officer, we cannot lose sight of the fact that perosn to perosn contact via phone, email, text, video, and face to face always is important and is the ultimate to gain/maintain trust. If we lose sight of the delicate balance of person to person contact combined with technology; this will diminish effectiveness for the client, the loan officer and ultimately the industry/relationship. Technology makes our industry efficient, a degree of perosnal contact is needed to maintain effectiveness for  our parties.