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