The Loan Officer Economy: Why Some Are Thriving While Others Stall Out

Loan Officer Freedom

Carl White

Mortgagemarketinganimals, Business, Loanofficer, Getmoreloans, Freedom, Mortgage, Loanofficercoaching, Carlwhite, Education, How To

5 • 743 Ratings

🗓️ 30 July 2025

⏱️ 14 minutes

🔗️ Recording | iTunes | RSS

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Summary

Episode 569

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, Carl White breaks down the three groups dominating the current “Loan Officer Economy”—the movers, the hopeful but inconsistent, and the stuck—and what sets each apart.

You’ll hear the latest field-level trends from thousands of conversations with LOs, not just theory or social media fluff.

Carl shares the 3 habits the top performers have in common—and why success isn’t about knowledge, it’s about execution.

If you want to go from stuck to consistent closings, this episode may be the mindset shift and action plan you’ve been waiting for.

Join us at MasterMindRetreats.com to scale your mortgage business with a proven plan.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Transcript

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0:00.0	Hey, again, Carl White here. And today I want to talk to you a few minutes about something that I call the loan officer economy. And so every week I talk to hundreds or I guess actually, if we're including like groups, thousands of loan officers or even tens of thousands of
0:21.7	loan officer, I guess. And it gives me a unique perspective of talking to so many loan officers
0:28.2	that I see those that are closing, you know, doing, you know, zero, one, or two a month to those
0:36.7	us doing 20, 30, 80, literally over 100 a month.
0:40.8	And I see some really, really crystal clear trends that's going on right now.
0:47.5	So I thought I'd hop on the mic here just for a few minutes and give you a pulse check of
0:51.7	what's really happening in the field, not theory, not what people
0:56.5	post on Facebook or Instagram or TikTok, but what's really actually going on right now.
1:02.5	And so what I'm going to do here for a few minutes is I'm going to cover like what the top
1:06.0	performers that I'm seeing, what they're doing differently, what's stalling out the rest,
1:11.7	and where I think the real opportunities are over the next 90 days. So if you're, you know, if you're kind of
1:16.6	wondering, hey, am I doing the right stuff? Am I behind or ahead right now? This would be a great
1:23.6	episode for you. And I think I can pull this off here in about 10 minutes. So let's dig into it
1:29.1	right now. So here's what I'm seeing right now. Again, I've got to, I'm honored truly over
1:35.8	decades to have a pretty unique vantage point that between coaching calls and talking to loan
1:42.0	officers in my own branch and my own and the organization I'm with and all the
1:47.9	alliance and mortgage marketing animals and Freedom Club and call stars and all these different
1:53.6	groups that we do. I get to see behind the curtain what's really happening in the business. And right now, I'd say the
2:03.1	loan officer economy falls into three distinctive groups. And look to see which of these groups
2:08.5	that you fall into. And so number one, group one, I'm going to call the movers. And these are the,
2:15.4	these are the cats that's closing 8, 10, 12, 20.
2:20.5	And there's all ends of the spectrum.
	...

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