Join Tom Hall (@Mortgage_Tech_Tom) in discovering the latest in the world of mortgage technology.
Join us for interviews with tech founders, mortgage broker owners, lenders and everything in-between.
If you’re in the mortgage industry, and believe technology will continue to play an integral role, this is the podcast for you.
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.
⏱️ Timestamps
00:00 – Episode 100 milestone + why this is a “Best Of” recap02:00 – Top podcast episode of the year: using ChatGPT as a thought partner05:45 – Best-performing YouTube video & lessons from the Mortgage Conference09:50 – Why short-form content performed best (Instagram & Reels)12:15 – AI broker assistants, where they help—and where humans still win
12 Dec 2025TRANSCRIPT
E99: The Secret Battle in AI: Programming vs. Consumers
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% of all ChatGPT/Gemini usage in just 6 months
Anthropic controls 30% of the entire AI market through programming dominance
Google, OpenAI, and other competitors are playing catch-up
📌 Timestamps:
0:00 - Opening statement
0:28 - Introduction
1:38 - The problem: What's driving AI growth?
1:55 - How AI companies make money (subscriptions vs. API)
2:46 - Understanding tokens and APIs
4:19 - Shocking token usage data (500B → 7T)
5:29 - Analyzing prompt vs. completion growth
7:31 - Which use cases are driving growth?
8:32 - Programming reveals itself as the leader
11:38 - 50% of AI usage is programming
12:10 - Anthropic's surprising market dominance
13:35 - Market share breakdown
14:18 - The strategic choice for AI CEOs
15:00 - Implications for the next 2-3 years
16:11 - Bold predictions
17:30 - Closing
5 Dec 2025TRANSCRIPT
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 branches01:14 – The real risk facing the industry (it’s not job loss)02:03 – Step 1: The new technology wave begins03:27 – Step 2: Tech adopters vs. non-adopters08:48 – Step 3: How lenders & regulators might elevate one branch13:18 – Step 4: What happens if non-adopters fall behind17:36 – The insurance industry example — and the warning it gives us19:00 – The silver lining and how brokers can protect innovation
Inside a recent episode
E99: The Secret Battle in AI: Programming vs. Consumers
Published 12 Dec 2025 · Transcript excerpt
[…] Literally what programming is is Cody right so literally you know all those nerdy guys engineers out there who are sitting at their laptops and you know guys and guys sure and I'm one of them. So no, no judgment or anything like that so not their computer opening up, you know, they're they're coding laptop and typing in code. Those that usage is driving all of that growth right just about all that growth the increase in number of tokens used per prompt is almost entirely based on these programmers. So what does it mean it means you know a lot of how it's used is not even the programmer asking specific questions you open up chat GPT and asking questions. […]
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