Not every mortgage task is a good candidate for AI. When risk is high, models are immature, or exceptions dominate, human-in-the-loop review erases the ROI—so the smart move is using AI for monitoring, packet prep, and routing, not final decisions. Brimma prioritizes automation where signals are clean and rules are codifiable (documents, validations, orchestration), and maps the rest by risk, model maturity, and exception load to decide what to defer, assist, or automate now.