The convergence of web-based systems, applications services and smart computer applications designed to support a personalized, interactive and intuitive user experience has created significant new business opportunities for lenders. This is the new “white space,” a previously unavailable frontier of possibilities, said Scott Happ, president and chief executive officer at Mortgagebot, Cedarburg, WI. The company provides lenders with point-of-sale application services, but began its history as