What's actually causing it
The tendon that straightens your fingertip runs along the back of your finger and attaches to the last bone, just past the final knuckle. In a mallet finger, that attachment is disrupted 2. The tendon has torn or stretched away, or it has pulled off a fragment of the bone it's attached to.
The classic cause is a blow that suddenly forces a straightened fingertip to bend 3. Low-effort tasks like pulling up socks can do it too, as can a finger crushed in a door 2. It's seen most often in young men in their 20s and 30s, and the middle and ring fingers are affected most often 2.
With the tendon no longer pulling on the fingertip, the joint can still be pushed straight, but it won't stay there 2. That's why the treatment is about holding the ends together, continuously, for long enough to heal.