by Tom Hall
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.
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8/17/2023
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April 18, 2025
In this episode of Mortgage Tech Talks, we break down some huge developments happening across the mortgage industry — both in Canada and the U.S. From the shocking downsizing of U.S. mortgage brokers, to how Canadian mortgage tech companies are adjusting their strategies, to a deep dive into the latest partnership news between Pinch Financial and DLC — this episode is packed with insights that every mortgage professional, lender, and tech entrepreneur needs to hear. Whether you're a mortgage broker, lender, or just someone following the evolving mortgage tech space, you're going to walk away with valuable takeaways about where the market is heading. Timestamps: 00:00 - U.S. Mortgage Broker Numbers Crash: 395,000 → 93,00000:18 - Comparing U.S. vs. Canadian Mortgage Broker Markets00:52 - Why U.S. Brokers Are Being Wiped Out (No Renewal Cycles)01:26 - Welcome to Mortgage Tech Talks (Living Room Edition)01:44 - Quick Overview of Today's Topics02:06 - How Canadian Tech Companies Are Positioning Themselves02:23 - The Pinch Financial Curiosity Story02:27 - Story #1: Jeff Willis' Proudly Canadian Post03:06 - Debating Canadian vs. U.S. Mortgage Tech Platforms04:09 - Economic Libertarian View on Tariffs in Mortgage Tech05:07 - Why "Made in Canada" Matters More in 202506:08 - How U.S. Funding Impacts Canadian Mortgage Startups07:29 - Silver Linings and the Need for Canadian Funding Growth08:05 - Story #2: Even Deeper Dive into U.S. Loan Officer Numbers09:31 - The True Reason Behind the U.S. Mortgage Collapse10:59 - No Refinancing, No Moving, No Business11:39 - How Brokers Are Surviving Today (New Builds, 2nd Mortgages)12:11 - The New Evolution: From "Rate Shopper" to "Trusted Advisor"13:12 - Story #3: Pinch Financial Partners with DLC13:54 - The Importance of Realtor.ca Integration for Pinch14:30 - Is Pinch Really a "Game-Changer"? A Closer Look15:07 - Unpacking the M3 Tech and Pinch Relationship16:13 - Why M3 Might Be Refocusing on Core Competencies17:15 - Are Brokers and Tech Companies Both Scaling Back?17:30 - Final Thoughts + How the Mortgage Tech Landscape is Changing Subscribe to Mortgage Tech Talks for more weekly deep dives into mortgage industry trends, market updates, and how technology is shaping the future of Canadian lending. 👉 Comment below: What trend do you think will have the biggest impact in the next 12 months? #MortgageBrokers #MortgageTech #CanadianRealEstate #LendingTrends #MortgageIndustry
April 11, 2025
In this episode of Mortgage Tech Talks, I sit down with David Mayrand, a former residential broker who transitioned into the multifamily commercial space—and then took it a step further by building a tech solution designed to streamline complex multifamily deals. We talk about: Why residential brokers struggle to break into commercial The tech void in the multifamily space (and how David is solving it) What makes commercial underwriting so much more complex His decision to spin off a standalone multifamily tech platform launching June 1st How he’s democratizing commercial real estate for new investors and brokers alike This episode is a must-watch if you’re: ✅ A residential broker curious about the commercial space✅ Frustrated by the inefficiencies of spreadsheets and emails✅ Interested in the future of AI + automation in mortgage workflows✅ Looking to scale your investor business with better tools ⏱️ Timestamps: 00:00 – Why multifamily listings aren’t investor-friendly00:20 – Building tools that simplify commercial analysis00:47 – Giving access to tools most brokers don’t have01:12 – Intro: Meet David Maé Rand, ex-residential broker turned tech founder02:07 – The origin story: from 2-minute convo to this podcast02:43 – Why David left residential for multifamily04:24 – Phasing out residential and leaning into investor clients06:21 – Why switching to commercial is scary for brokers07:17 – What makes some brokers fail when switching08:59 – Why commercial lending has so much paperwork09:34 – How David's team built processes from scratch10:09 – There was literally no tech in commercial11:18 – How they organize massive amounts of documents12:13 – Why residential tech has boomed—but not commercial13:20 – Why most developers can’t build good mortgage tech14:32 – Building tech internally that actually works16:25 – When David realized he needed a dedicated tech stack17:50 – The hidden value of structured data19:17 – Why existing CRMs don’t support corporations as borrowers20:20 – The complexity of org charts and ownership21:24 – Why solving hard problems = massive opportunity22:07 – Where AI fits into all this23:31 – Using AI to build org charts, automate file handling25:20 – The future: AI doing all the grunt work for brokers26:55 – Why David isn’t competing with generic AI tools27:19 – Launching a dedicated multifamily tech company (June 1!)28:16 – How this tech can change the entire Canadian multifamily market30:12 – Will this ever expand beyond multifamily?31:24 – Why tech gives David’s brokerage a massive edge32:23 – His vision: a portal for agents and investors to model cash flow33:43 – Making commercial less intimidating35:08 – Tech as a bridge for new brokers entering the space36:23 – Why servicing sophisticated borrowers requires next-level systems37:07 – How brokers can actually provide value to investors39:19 – Want to try the portal? How to get early access 🔥 Enjoyed this episode?Like, comment, and subscribe for more conversations at the intersection of mortgage, tech, and real estate investing. #mortgagetech #multifamilyrealestate #commercialmortgage #canadianmortgage #mortgagebroker #fintech #realestatetech #aiinmortgage #mortgageautomation #mortgagetalkshow
April 4, 2025
In this episode of Mortgage Tech Talks, Tom sits down with Lawrence Schwartz—Co-Founder of Mortgage Automator and now back in the lending game with Golden Bell Capital. They dive into: Why trade shows are massively undervalued The behind-the-scenes story of how Mortgage Automator was built (and sold) Balancing lending with tech startup life How great partners made all the difference Why Lawrence walked away from "early retirement" to get back into lending Whether you’re a broker, lender, or aspiring fintech founder, this episode is packed with wisdom, real talk, and some hard-earned lessons from one of the industry’s best. Connect with Lawrence: https://www.linkedin.com/in/lawrence-schwartz-13611529/ 🎙 Hosted by Tom Hall | Powered by BluMortgage #mortgagebrokers #mortgagetechnology #realestateinvesting #fintech #entrepreneurship #MortgageAutomator ⏱️ Timestamps: 00:00 – Why Trade Shows Are Basically Free01:11 – Meet Lawrence Schwartz: Co-Founder of Mortgage Automator02:37 – What Mortgage Automator Was Built For04:11 – Funny Sales Funnel Story (Oops!)06:58 – No Perfect Software Exists (Here’s Why That’s Okay)07:17 – The “Secret Sauce” Behind Mortgage Automator’s Success08:46 – Real-Time Product Feedback from Lenders10:08 – Learning from Client Rejections11:18 – Growing Trade Show Presence Over Time13:16 – Why You Always Go to Trade Shows15:28 – Early Signs That Mortgage Automator Was Taking Off16:35 – Building a Sales Team That Could Sell Without You18:47 – Balancing Lending and Tech in the Early Days20:48 – COVID and the Pivot to Full-Time Software22:07 – The Power of the Right Business Partners25:06 – Returning to Lending After the Exit27:08 – Realizations After “Retirement”29:02 – Why Lawrence Didn’t Spend a Dime After Selling31:14 – The Lending Philosophy at Golden Bell Capital33:23 – What Types of Deals Golden Bell Does36:40 – Why Simplicity & Speed Still Win38:36 – The Reason They Only Lend in the GTA39:53 – Final Thoughts: Send Us One Good Deal40:28 – Where to Find Lawrence
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