E70: Market Update- Canadian Tech, US Loan Officers Hurting, Pinch-DLC Partnership

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 → 93,000
00:18 - Comparing U.S. vs. Canadian Mortgage Broker Markets
00:52 - 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 Topics
02:06 - How Canadian Tech Companies Are Positioning Themselves
02:23 - The Pinch Financial Curiosity Story
02:27 - Story #1: Jeff Willis' Proudly Canadian Post
03:06 - Debating Canadian vs. U.S. Mortgage Tech Platforms
04:09 - Economic Libertarian View on Tariffs in Mortgage Tech
05:07 - Why "Made in Canada" Matters More in 2025
06:08 - How U.S. Funding Impacts Canadian Mortgage Startups
07:29 - Silver Linings and the Need for Canadian Funding Growth
08:05 - Story #2: Even Deeper Dive into U.S. Loan Officer Numbers
09:31 - The True Reason Behind the U.S. Mortgage Collapse
10:59 - No Refinancing, No Moving, No Business
11:39 - 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 DLC
13:54 - The Importance of Realtor.ca Integration for Pinch
14:30 - Is Pinch Really a "Game-Changer"? A Closer Look
15:07 - Unpacking the M3 Tech and Pinch Relationship
16:13 - Why M3 Might Be Refocusing on Core Competencies
17:15 - Are Brokers and Tech Companies Both Scaling Back?
17:30 - Final Thoughts + How the Mortgage Tech Landscape is Changing

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