4 Years In: 175 Closed Loans 2025
Loan Officer Freedom
Carl White
4.9 • 753 Ratings
🗓️ 22 December 2025
⏱️ 40 minutes
🧾️ Download transcript
Summary
Episode 608
If you want help mapping out a clear, step by step plan to grow your production, visit GetMoreLoans.com.
Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.
In this episode, Carl sits down with Chris Kloc, a Chattanooga based loan officer who is just four years into the business and on pace to close roughly 175 loans in 2025. Chris shares his journey from being completely outside the mortgage industry to building a high performing, leveraged team and producing at a level most loan officers never reach.
Chris breaks down the simple principles that fueled his growth, including ruthless implementation, tracking daily activity, and shortening the gap between learning something proven and actually doing it. He explains how accountability, consistency, and being highly active and visible in the market drove both his purchase and refinance production.
The conversation also dives into team structure, buying back time, and why knowing your real job as a loan officer is critical once production starts to scale. Chris outlines how he built leverage around himself so he could stay focused on lead generation, consultations, and leadership.
If you are early in your career or stuck at a few loans a month and want a clear picture of what it really takes to scale quickly without burning out, this episode delivers practical lessons you can apply immediately.
Transcript
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| 0:00.0 | Chris Clock. I've been stalking you from a distance, brother. How you doing, man? |
| 0:11.6 | I'm living the dream one day at a time. You are living the dream. So tell everybody where you're located. |
| 0:17.5 | Chattah Vegas, Tennessee, Chattanooga, Tennessee. So I feel like people may know where that is now, but it's about two hours. It's halfway in between Nashville and Atlanta. I mean, you go another hour and a half north in Knoxville, two hours from Huntsville, two hours from Birmingham. It's God's country. It's indeed a beautiful area. What's the name of that big mountain right up there? |
| 0:37.8 | What does it? |
| 0:38.2 | Lookout Mountain. Yeah, Lookout Mountain. Yeah. Just gorgeous drive up there. So I love that area. Are you native to there? No, I'm not. I grew up right outside of D.C. Hence all. Nobody chooses to be a Redskins fan. But that's where I grew up was right outside of D.C. Northern Virginia. |
| 0:54.0 | Okay, nice. |
| 0:54.8 | Roanoke? |
| 0:56.3 | No, northern, way north. |
| 0:57.9 | Oh, nice. Roanoke? No, northern, way north. Like on Northern, North. Northern. North. Fax Woodbridge, 20 miles outside of D.C. Cool. So, hey, man, give us the lay of land. Lone officer, branch manager, kind of tell us. Lone officer. Maybe one day, all the other things, but we don't worry about that piece. Just do the work now and we'll see where it lands. Cool. |
| 1:12.9 | So I was talking about it. Loan officer. Maybe one day, all the other things, but we don't worry about that piece. Just do the work now and we'll see where it lands. |
| 1:19.7 | Cool. So I was talking with a mutual friend of ours. Jimmy, so Jimmy Reed, and he said, dude, you got to interview this guy. |
| 1:27.6 | So, hey, I need to take off your humble hat. You and I've met before at the sales event that you guys hosted. |
| 1:29.7 | So I need to take your sales hat. |
| 1:33.2 | I'm sorry, take your humble hat off here just for a second, right? |
| 1:36.3 | So why would Jimmy say, hey, man, you got to interview this guy. |
| 1:39.1 | Man, that's a good question. |
| 1:41.8 | That's why you're good, Carl. |
| 1:42.5 | You ask good questions. |
| 1:43.4 | It's like Rogan out here. |
| 1:57.7 | I listen and implement immediately. And so I was outside the industry, wasn't making a lot of money, wasn't in sales, and I'm now closing a lot of loans and making a lot of money. |
| 2:02.1 | And it's because Jim's told me what to do and I do it and all the other coaches I've had. |
| 2:08.0 | And it's been really cool because I'm a coach now at next level, which is, which is awesome. Like super, super, it gives back so much. |
... |
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