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Loan Officer Freedom

The 175-50-25 Formula: How Top Loan Officers Turn Leads Into Closings

Loan Officer Freedom

Carl White

Education, Business, How To

4.9753 Ratings

🗓️ 27 April 2026

⏱️ 37 minutes

🧾️ Download transcript

Summary

Episode 642

If you are ready to stop overthinking and start taking the exact actions that bring in loans right now, head over to GetMoreLoans.com and set up a time for a free call. Tell us where you want more momentum in your pipeline, and we will help you build a simple plan to make it happen.

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 Brandon Hutcheson to break down a simple but powerful formula that can completely change how you look at your business: 175-50-25. They walk through each stage of the loan funnel, from leads to contact to credit pulls to pre-approvals to closings, and show how tracking the right numbers can make your income far more predictable. Brandon shares real data from his own business, including how his team consistently reaches a 96 to 97 percent contact rate through disciplined and persistent follow-up.

They also dig into what really drives higher conversions, and it is not more leads. It is better follow-up. You will hear exactly how often to reach out, what channels to use, and how to stay consistent without feeling like you are bothering people. This episode makes a strong case that the fastest way to grow your business is to maximize the leads you already have instead of constantly chasing new ones.

This is a practical, numbers-driven approach to building a steady pipeline and eliminating the loan officer roller coaster. When you understand your metrics and commit to consistent action, you can create predictable closings and a business that grows month after month.

Transcript

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0:00.0

Brandon Hutchinson. How you doing, my man? I am doing better than I deserve. How about you?

0:12.0

I would disagree with that. I think you're doing exactly what you deserve, because you deserve

0:17.5

greatness. So that means a lot coming from you.

0:21.2

I'm glad to spend some time with you.

0:22.5

So you dropped a bomb the other day,

0:24.8

and I want to go deeper into this one.

0:27.3

Okay.

0:28.1

So we're going to call this episode 175-50-25.

0:35.2

And let's go over that. So you shared with me, first of all, you're a branch manager, Nashville, Nashville, Tennessee, cross-country mortgage. You've been doing this, I've remember 24 years, if I remember right? That's right, yes, sir. Yeah, good, a good, solid book of personal business business and you also have a branch.

1:01.5

And you close about half, like the branch is about half your numbers, about half your loan officers, give or take.

1:08.7

Yeah, that seems to be a pretty good, that seems to be a pretty solid number in of itself, you know, for our branch managers.

1:10.5

Because I see a lot of branch managers.

1:13.5

They're like 90% of the office production or something like that.

1:14.5

Nothing wrong with that, I guess.

1:18.4

But like if you can get into, if you're non-producing, getting it to like 50%. So congratulations on that.

1:20.8

Oh, thank you.

1:21.6

Yeah.

1:22.0

Well done.

1:23.3

So 175, 5025.

1:27.7

So I get a lot of questions about conversion rate of leads.

1:35.4

How do you increase it?

1:38.2

And I think the first thing, I think very few loan officers, if we were to ask them, what percentage of leads do you close?

...

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