The question is not whether AI can touch a mortgage decision, but how much of that decision she can carry responsibly. Confidence-based workflows point to a system built to know its own limits, flagging where automation can assist and where human judgment still applies. That is a different claim than simply automating paperwork. For homeowners and lenders, this is where mortgage lending is headed. Intelligent automation, applied carefully, may help streamline parts of the process without removing accountability from the decision itself. Pavan Agarwal's question tests that boundary honestly, rather than assuming AI can replace judgment. ```