Technology, of course, is an ever-advancing science. Ten years ago, who would have thought about using a smartphone to make a loan payment? Or how about applying online for a mortgage?

Soon, mobile app payments will be almost as common as putting in your earbuds and listening to your iPod while you check your phone for text messages and add an event to your electronic calendar. (Who deals with paper anymore? Even mortgage loans often go electronic from start to finish.)

Mortgage isn't the only place where big changes have come with the fintech revolution. Look at how Airbnb has affected hotels, or how Uber and Lyft have impacted traditional taxi companies. These examples should cause us to sit up and listen.