Although many of the new automated systems being developed for the mortgage market are aimed at the loan production side of the business, a new study suggests that servicing has so far reaped most of the gains from emerging technology. According to Michael LaCour-Little, a vice-president at Wells Fargo Home Mortgage and an adjunct professor of real estate finance at Washington University, the intra-office nature of servicing makes the area most ripe for technology-driven efficiencies.