In the category of "It's obvious that there are huge chunks of the economy which need one SFBA-startup quality workflow web app", I give you http://blend.com , which did that for mortgage origination at banks / credit unions / independent mortgage originators.
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If you want to read about mortgage origination and understand why "Hmm this seems like a frontend-heavy web application that one could reasonably deliver in a hackathon" is not coextensive with the actual solution, see https://www.amazon.com/Digitally-Transforming-Mortgage-Banking-Industry/dp/1985668173 … (Disclaimer: read critically.)
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A non-obvious challenge here is that the most important consumer for a home mortgage is not obviously the person buying the house, it is the GSE or other financial system entity which is going to securitize the mortgage. They have *much* more exacting requirements.
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And, structurally, they will *never* talk to the person buying the house, the bank that person has the down payment at, the HR department certifying that that person is gainfully employed, etc etc, *but* they have a lot of very specific questions for *all* of these people.
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And so the mortgage loan originator has to have all their paperwork together and pre-reviewed prior to sending it over to the securitizing party. And if they don't? Well, then they're at substantial risk of either eating the home loan or carrying it on their books for 7+ years.
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