AI Loan Officers: How Smart Tech Is Creating Loans While You Sleep
Loan Officer Freedom
Carl White
4.9 • 753 Ratings
🗓️ 15 April 2026
⏱️ 39 minutes
🧾️ Download transcript
Summary
Episode 639
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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.
In this episode, Carl White sits down with Owen Lee to unpack a game-changing shift happening right now in the mortgage industry: AI-powered systems that are having real conversations with borrowers and generating applications around the clock. They walk through how these AI tools are answering calls, pre-qualifying borrowers, setting appointments, and even issuing pre-qualification letters, all without the loan officer being present.
Carl and Owen break down why speed matters more than ever, including the powerful stat that nearly 80 percent of borrowers go with the first loan officer they speak to. They explain how this technology helps you win more of those conversations, capture opportunities you would normally miss, and create a steady flow of inbound activity without working nights and weekends.
This episode is a look at where the industry is heading and how loan officers can use simple technology to multiply their efforts, increase conversations, and ultimately close more deals. The opportunity is not coming, it is already here, and those who lean into it will have a major advantage.
To learn more and see how this works for your business, visit TalkToTeamOwen.com.
Transcript
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| 0:00.0 | All right, so as we're recording it, it's Friday afternoon at 409. |
| 0:12.2 | And I usually don't work on Fridays, but I get a text from Owen and he says dude |
| 0:21.9 | wait do you see what we've done and we're talking a little bit this earlier this |
| 0:26.9 | morning I said wait stop don't tell me anymore let's let's put this on tape and |
| 0:33.2 | make it a podcast episode and I didn't want to wait till you said hey we can totally |
| 0:36.8 | do it on Monday |
| 0:37.5 | I said screw Monday I love this topic this is a great idea exciting stuff it's exciting stuff |
| 0:43.2 | it is it is and so I don't think it's anybody no secret uh that you and I work together right |
| 0:49.8 | you own the more correct money that I'm a non-producing branch manager at and been how long we've worked |
| 0:54.5 | together now, 13, 14 years, something like that? I think if we really did the math, it might be 15, |
| 0:59.8 | but yeah. So a while, a while, very, very successful for both of us. So, so, so tell us, |
| 1:07.6 | tell us what you got going. What's our, what's our basic topic? And then, and then? And then I'm literally hearing this for the first time also. So I'm sure I'll have some questions. So basically, here's what we've done. And I'm so proud of our internal team, because this is proprietary. We built this ourselves. But we have many AI agents. And I should probably think of a |
| 1:31.7 | different word to say it than agent, but in the in the technology world, this would be considered |
| 1:37.3 | an AI agent. It's got nothing to do with a real estate agent or a realtor. But this is an AI bot. Let's just go with that. That answers the phone |
| 1:51.0 | and does prequals for you 24-7 for the loan officer. All right. So when you say agent, another word I could might use would be employee. |
| 2:04.4 | So I've got an AI employee working for me as a loan officer or branch manager, whatever, however you want to do it. |
| 2:12.1 | So all right. |
| 2:13.6 | And so. |
| 2:14.1 | 100%. |
| 2:14.6 | So I don't think it's any secret, you know, that a fair amount of loan officers have been exposed to the idea of having an AI agent, employee, bot, answer the phone for me. |
| 2:29.8 | Even though, you know, and let's just stop that right there for a second. |
| 2:33.1 | I'm amazed on how few loan officers |
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