This is a milestone episode of Mortgage Tech Talks.

In this special 100th episode—and final episode of the year—I’m breaking down the best-performing Mortgage Tech Talks content of 2025 across podcasts, YouTube, Shorts, and Instagram.

Instead of just replaying clips, this episode looks at what actually worked, why it worked, and what it says about where mortgage tech and AI are heading. We dig into the biggest themes from the year: AI as a tool (not a shortcut), platform-specific content performance, tech adoption, and the irreplaceable role of human trust.

If you’re a mortgage broker, fintech professional, or just interested in how technology is reshaping the industry, this episode ties it all together.

Thanks for being part of the journey to 100 episodes.

00:00 – Episode 100 milestone + why this is a “Best Of” recap

In this episode, Tom Hall breaks down the hidden competition between major AI companies that most people don't see. Discover why programming has become the dominant use case for AI models—accounting for 50% of all API usage—and why Anthropic (Claude) is quietly dominating with 60% of this massive market.

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

Should mortgage brokers stick with ChatGPT — or is it time to explore the new AI tools that are suddenly outperforming it?

In this episode of Mortgage Tech Talks, we break down whether brokers should consider switching to alternatives like Google Gemini 3, Grok 4.1, and Claude, all of which are now ranked above ChatGPT in real user preference tests.

We cover what’s changed, why these new models matter, how the AI landscape is shifting, and what this means for your daily workflow as a mortgage professional.

If you want to stay ahead of the curve and get the most out of AI in your business, this episode is worth your time.

00:00 – Why brokers are questioning ChatGPT’s dominance

In this episode, I break down a trend that caught me off guard at the Canadian Mortgage Conference — and honestly, I didn’t fully believe it until I dug into the numbers myself.

From the Neighborhood x Fisgard deal, to NSO acquiring CMS, to Alta West merging with Premier — the pattern is undeniable. And if you're a broker choosing lender partners or a lender trying to stay competitive, understanding this shift is critical.

AI in mortgages that actually saves time, not hype.

What you’ll learn

The real advantage for brokers who use AI vs those stuck in manual review

How Purelend structures down payment checks, stated income analysis, and doc organisation for lenders and brokers

Where full automation fails and why a copilot model makes more sense

Accuracy, hallucinations, and how to combine human review with AI to raise overall quality

Practical privacy and workflow considerations when rolling AI into your shop

Chapters

There’s no magic button for AI in the mortgage industry — and that’s exactly what I talk about in this episode.

In this week’s Mortgage Tech Talks, I share my full recap of the National Mortgage Conference — what I saw, what I learned, and why so many brokers are still chasing shortcuts instead of building real systems that last.

I also unpack the biggest question I kept hearing: “What’s the one AI tool I should be using?” The truth? There isn’t one. But there are ways to use AI that actually move the needle — and I walk through a few real examples of that in action.

You’ll also hear my thoughts on privacy, security, and how tech is making a real comeback in the mortgage space right now.

If you’re a mortgage broker who’s tired of surface-level “AI hacks” and wants to understand what’s actually working in our industry — this one’s for you.

Timestamps:

In this episode of Mortgage Tech Talks, Tom Hall shares a special pre-conference breakdown of the Canadian National Mortgage Conference — including what to expect, which sessions to prioritize, and his own upcoming keynote, “If AI is Already Here, Why Does My Job Feel Exactly the Same?”

Tom covers three major highlights — from economic forecasts by CIBC’s Benjamin Tal, to Doug Adams’ new book on scaling your brokerage, to his own deep dive into the real state of AI in the mortgage industry.

Whether you’re attending the conference or following from afar, this episode gives you a quick, insightful preview of the ideas shaping the future of mortgages, technology, and business in Canada.

00:00 – If AI is already here, why does my job feel exactly the same?

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In this episode, we break down a McKinsey report on how global organizations are adopting AI—and what it means for mortgage brokers right now. From marketing and sales to compliance and service operations, we explore where AI is already transforming financial services and how you can leverage it to futureproof your business.

You’ll also hear about Rob Macalister’s take on “vibe coding” and why AI may soon make developing your own tools as common as using email. If you’ve ever wondered whether AI will replace jobs or actually create more opportunities, this episode gives you a clear look at both the risks and the upside.

Timestamps

Listen if you’re a mortgage broker who wants to:

Understand how AI is reshaping the industry

Learn which skills will be critical in the next 3 years

See how to apply big-picture trends directly to your business

👉 Don’t forget to like, comment, and subscribe for more insights on mortgage technology and the future of the industry.

#MortgageBroker #AI #MortgageTech #RealEstate #FutureOfWork

AI Clones for Mortgage Brokers? How This Tech Could Change the Industry

In this episode of Mortgage Tech Talks, we dive into a futuristic—but very real—idea: AI clones. Imagine a digital version of you that clients can interact with online, ask questions, and even hear your voice respond back.

We’ll cover what AI clones are, how they work, and how mortgage brokers and financial advisors can use them today for lead generation, nurturing, and building client trust. This isn’t sci-fi. People in the Canadian financial space are already using this technology.

00:00 – Intro: What’s an AI clone?

👉 If you’re a mortgage broker, financial advisor, or just curious about how AI is reshaping client relationships, this episode is packed with insights you can’t ignore.

🎧 Listen to Mortgage Tech Talks on YouTube or wherever you get your podcasts.