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A 95% AI failure rate defines the cost of building fintech tools in the wrong order: technology first, user second.
Rocket's mortgage broker tools are the counter-case, with brokers shaping the product brief before the build began. The failure pattern runs back through blockchain.
Platforms entered the mortgage space on the strength of their underlying distributed ledger mechanics. Integration into daily broker workflow did not, because brokers were absent from the design process.
The record of failed blockchain platforms in mortgage finance is long enough to constitute a pattern, and the pattern traces to the same root: the technology was the product, not the solution to a mapped problem.
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