Mortgage bankers have had a rough year as origination volumes have collapsed in the face of the Federal Reserve's tightening of monetary policy to combat inflation. Rocket (NYSE: RKT) is known primarily as a mortgage originator, but it is building a presence in other financial services, which will help compensate for the cyclicality of the mortgage business. This app is more than a convenience, however; it is a core part of the company's cost advantage.