EP 24
Top Mortgage Broker Explains Why Big Banks Might Lose The AI Race
Alex McFadyen
Oct 2, 2025
Broker Owner, Flow Mortgage
In this episode of The Loan Officer Playbook Podcast, we sit down with Alex McFadyen, Broker Owner at Flow Mortgage and a top 1% mortgage broker in Canada. Alex gets real about what AI actually changes in lending, why the winners will enable people with AI instead of replacing them, and how independents can out-execute larger lenders by moving faster. We cover the fragmented AI tool landscape, the 12–24 month outlook, U.S.–Canada market overlap, recruiting for operations leadership, and building a brand that attracts clients and talent.
Key Takeaways
Enable People With AI
The edge comes from AI-enabled teams who communicate clearly and execute faster. Clients want humans empowered by technology, not chatbots running the show.
Speed Beats Size
Independents that test and implement in 7–14 days can outmaneuver layered orgs. Expect consolidation as a few real products emerge over the next 12–24 months.Turn Fragmentation Into SOPs
Today’s AI stack is scattered. Tight processes, clear checklists, and internal comms are what turn cool tools into consistent results.Markets Rhyme Across Borders
U.S. and Canadian rate trends often move in step, with regional differences and slower data in Canada. The opportunity for cross-border solutions is real if resources are allocated.Brand, Recruiting, and the Next Role
Your personal and business brands should align. Hire through networks and referrals, enable operators, and evolve from operator to owner with the right leadership in place.
For more insights from Alex McFadyen listen to the full episode on The Loan Officer Playbook Podcast!
Watch the Episode Here
Links from the Show
Alex's Information:
Website: Flow Mortgage Co.
Email: alex@getflowmortgage.ca
LinkedIn: Alex McFadyen
Instagram: @themortgagepug
Facebook: Flow Mortgage Co.
YouTube: @flowmortgageco
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