The mortgage industry doesn’t have a speed problem. It has a trust problem.

For over a decade, mortgage technology has pursued one overarching goal: speed.

Faster applications. Faster disclosures. Faster underwriting. Faster closings.

Loan origination systems (LOS) have evolved. APIs replaced fax machines. Automation compressed timelines from weeks to days—or even hours. On the surface, the industry appears transformed.

Yet despite these gains,…