Mortgage Tech Talks

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 int...

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. 📊 Key Insights: Token usage has grown 14x in the past year Programming went from 11% to 50% o...

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 ho...

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 ma...

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. Technology isn’t just supporting Canadian lenders… it’s becoming the core reason they’re getting acquired, merging, or expanding their reach. From the Neighborhood x Fisgard deal, to NSO acquiring CMS, to Alta West merging...

AI in mortgages that actually saves time, not hype. On this episode of Mortgage Tech Talks I sit down with Lucas Scheer, co-founder of Purelend. We dig into what AI can do today for brokers, why trust still wins in real estate and lending, and how document collection, usable income, and down payment verification can be automated without losing the human touch. What you’ll learn The real advantage...

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 A...

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 s...

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...

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 th...

In this episode of Mortgage Tech Talks, I dive into one of the most common questions I hear at conferences and panels: “Should mortgage brokers be worried about client privacy when using AI tools like ChatGPT?” Instead of giving the usual surface-level answer, I take a contrarian approach and unpack why many of the fears around AI privacy are more about perception than legal reality. From comparin...

In this episode of Mortgage Tech Talks, we dive into three brand-new mortgage technology startups that recently hit the Canadian market. Each of these companies is tackling a different problem in the broker and consumer journey—from digital mortgage investing, to qualifying first-time homebuyers, to automating document management. If you’re a broker curious about how tech could change your busines...

In this episode of Mortgage Tech Talks, we put AI to the test in a live phone call simulation. We set up an AI assistant to act as a mortgage broker’s team member, following up with a client, and then break down the results. How natural was the conversation? What can mortgage brokers actually use this technology for today? And what are the risks and future implications as AI-powered calls become m...

In this episode of Mortgage Tech Talks, we set out to uncover AI tools built specifically for mortgage brokers. But what started as a simple research mission turned into a much bigger realization: there aren’t really standalone AI tools just for brokers—and maybe that’s the point. Instead, we explore how brokers are actually using tools like ChatGPT, Fathom, and voice AI dialers, and why the futur...

In this episode of Mortgage Tech Talks, we dive deep into the latest developments shaping Canada’s mortgage, real estate, and business landscape. From how top influencers are dominating both social media and deal volume, to surprising leadership moves at Quest Mortgage, to Brookfield’s $2.9B acquisition of First National — we go beyond the headlines to explore what these changes really mean for mo...

In this episode of Mortgage Tech Talks, we explore one of the most exciting new AI advancements — ChatGPT’s Agent Mode — and why it’s a potential game-changer for mortgage brokers, real estate professionals, and anyone in the housing industry. You’ll see a live demo where Agent Mode goes beyond just answering questions — it literally opens a virtual desktop, clicks through RBC’s affordability calc...

MORTGAGE TECH INDUSTRY UPDATE – Summer's Not So Slow After All 🚨 In this episode of Mortgage Tech Talks, we’re diving into the latest movements shaking up the Canadian mortgage technology space. From Pineapple Financial’s dramatic stock rebound to M3 Tech’s broker-first narrative and Pine’s continued success with a borrower-first approach — this one is full of insights and analysis you don’t want...

In this episode of Mortgage Tech Talks, I sit down with Tyler Cameron, Founder & CEO of wrksourcing, to talk about the real path from chaos to clarity in entrepreneurship. We break down: Why being a visionary isn’t enough anymore The difference between a VA and a true integrator What brokers actually need to scale How to adopt tech (without getting lost in the noise) Why FOMO is hurting entrep...

How Mortgage Brokers Should Use Summer to Get Ahead (And Avoid AI Overwhelm) In this solo episode of Mortgage Tech Talks, Tom Hall gets tactical on how mortgage brokers can use the slower summer months to reset, refocus, and retool. From confidently taking time off to building systems, cleaning up your business backend, and diving deep into AI (instead of chasing every new tool), this is the episo...

In this episode of Mortgage Tech Talks, I’m not just talking about AI... I’m showing you exactly how to use it. I walk you through three powerful ChatGPT prompts (plus a bonus fourth) that you can copy and paste today to actually grow your mortgage business. Most people are still using AI the way they used Google — and that’s a huge mistake. I’ll show you how to get way better results by treating...

In this episode of Mortgage Tech Talks, host Tom Hall sits down with Rich Spence, President of Mortgage Centre Canada (part of the DLCG network), for a powerful deep dive into the past, present, and future of mortgage tech. Rich shares: His origin story launching Nexxa, the first web-based CRM for brokers The mindset and grind that helped scale to 7,000+ users How DLCG and Velocity are future-proo...

In this episode of Mortgage Tech Talks, Tom sits down with Karen Wilson — founder of Broker Complete and VP of Training & Operations at DLC Elite Team — to unpack what truly drives success in today’s mortgage industry: trust, accountability, community, and process efficiency. Karen shares her journey from running a successful fitness business to becoming a leader in the mortgage world, drawing...

In this episode of Mortgage Tech Talks, I’m pulling back the curtain on everything I’ve learned building BluMortgage—and what I’d do differently if I were starting from scratch today. I’m walking you through how I’d think about: → Building a simple, addictive product → Structuring a freemium model → Leveraging referrals over paid ads → Using AI (the right way) → And why simplicity always wins Whet...

In this episode of Mortgage Tech Talks, Tom breaks down the biggest shifts happening in Canada's mortgage technology landscape — from major lender-platform disconnections to what AI could mean for the future of mortgage app development. We cover: Why top lenders are cutting ties with major tech platforms Real examples of platform incentives (like free trips) and their long-term strategy A powerful...

If your brokerage went under tomorrow—would your business survive? In this episode of Mortgage Tech Talks, Tom breaks down a powerful video from Ron Butler that’s making waves across the mortgage industry. From ownership of your domain and CRM to warning signs your brokerage might be in financial trouble, this episode is a wake-up call for brokers in Canada. Timestamps: 00:00 – Why every broker mu...