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E98: How AI Could Stifle the Mortgage Industry
What if the biggest threat to mortgage brokers over the next decade isn’t AI replacing your job — but something far more subtle?
In this episode of Mortgage Tech Talks, we break down a 4-step scenario that has already played out in other financial industries… and could reshape the mortgage landscape in the next 5–10 years if we’re not careful.
This isn’t fear-mongering. It’s a realistic look at how technology adoption, lender expectations, and regulator pressure could quietly divide the industry into two branches — one that thrives, and one that slowly gets left behind.
You’ll hear:
The two “branches” brokers will fall into as AI becomes standard
Why trust at scale could create a massive performance gap
How lenders and regulators might tighten requirements
What happened in the home & auto insurance industry (and why it matters now)
The one thing brokers can control to prevent the mortgage channel from losing innovation
If you care about the long-term health of this industry — and your place in it — this is a conversation you should hear.
Timestamps
00:00 – Why the future of the broker channel may split into two branches
01:14 – The real risk facing the industry (it’s not job loss)
02:03 – Step 1: The new technology wave begins
03:27 – Step 2: Tech adopters vs. non-adopters
08:48 – Step 3: How lenders & regulators might elevate one branch
13:18 – Step 4: What happens if non-adopters fall behind
17:36 – The insurance industry example — and the warning it gives us
19:00 – The silver lining and how brokers can protect innovation
View all episodes
By Tom HallWhat if the biggest threat to mortgage brokers over the next decade isn’t AI replacing your job — but something far more subtle?
In this episode of Mortgage Tech Talks, we break down a 4-step scenario that has already played out in other financial industries… and could reshape the mortgage landscape in the next 5–10 years if we’re not careful.
This isn’t fear-mongering. It’s a realistic look at how technology adoption, lender expectations, and regulator pressure could quietly divide the industry into two branches — one that thrives, and one that slowly gets left behind.
You’ll hear:
The two “branches” brokers will fall into as AI becomes standard
Why trust at scale could create a massive performance gap
How lenders and regulators might tighten requirements
What happened in the home & auto insurance industry (and why it matters now)
The one thing brokers can control to prevent the mortgage channel from losing innovation
If you care about the long-term health of this industry — and your place in it — this is a conversation you should hear.
Timestamps
00:00 – Why the future of the broker channel may split into two branches
01:14 – The real risk facing the industry (it’s not job loss)
02:03 – Step 1: The new technology wave begins
03:27 – Step 2: Tech adopters vs. non-adopters
08:48 – Step 3: How lenders & regulators might elevate one branch
13:18 – Step 4: What happens if non-adopters fall behind
17:36 – The insurance industry example — and the warning it gives us
19:00 – The silver lining and how brokers can protect innovation
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