What Everybody Isn't Talking About, But Should

Loan Officer Freedom

Carl White

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

5 • 743 Ratings

🗓️ 18 June 2025

⏱️ 23 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

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

In this episode, your host Carl White teams up with Owen Lee to unpack the quiet earthquake shaking up the mortgage industry—massive moves by Rocket Mortgage that most LOs have already stopped talking about.

They reveal how Rocket’s acquisition of Redfin and Mr. Cooper could reshape borrower behavior forever, giving them first dibs on millions of consumers before the rest of us even know they're looking.

Carl and Owen use a powerful bear-and-salmon analogy to show how referral-based LOs risk losing deals unless they evolve fast—and how smart use of predictive tech can help you stay ahead.

This isn’t a doom-and-gloom episode—it’s a call to action packed with clarity, urgency, and opportunity for those willing to pivot now.

Transcript

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0:00.0	It's funny how big news, big news, industry changing news, it seems like it's only big big
0:15.0	big, it seems to be it's only big for a short period of time, even though the impact of it is going to reverberate for years,
0:24.8	or maybe years, ever.
0:27.2	Decades.
0:27.8	Yeah, decades.
0:28.7	Yeah.
0:29.2	So let's talk about this second.
0:30.4	So what's, right before we hit the record button, you were saying, hey, there's two things,
0:33.9	and how come nobody's talking about this when they should be?
0:37.0	Well, I tell you, you know, I'm going back, and as Carl and I are recording this, we're about halfway through the year.
0:45.4	And, you know, the biggest, there's so much talk in Washington, D.C., and it's dominating the news, you know, are we going to get the trigger
0:55.7	leads bill passed as an industry? Are we going to have Fannie and Freddie kicked out of government
1:02.9	conservatorship or exit government conservatorship? And what are those terms going to look like?
1:08.1	And the big, beautiful bill bill and what's happening with
1:10.9	interest rates and tariffs and inflation and all this kind of stuff and they're all
1:16.0	worthy topics but I think the biggest thing that's happened this year you know
1:22.1	rocket mortgage bought Redson Redfin has 50 million users.
1:29.7	50 million.
1:33.1	And then Rocket bought Mr. Cooper,
1:37.4	the largest servicer of mortgages in the country.
1:42.4	Combined with their own servicing portfolio,
1:44.8	I don't know what the exact percentage is,
	...

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