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Loan Officer Leadership Podcast is one of the top podcasts in America with your host Steve Kyles. Each episode is jam-packed with STRATEGY and TOOLS to grow your business and leadership. Our purpose is to help you close more loans in less time. If you are ready to close more loans with fewer headaches, visit FreedomPlanningCall.com today to schedule a FREE strategy call.
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Frank Garay, top mortgage industry leader and host of The Loan Officer Breakfast Club, powered by Mortgage Marketing Animals, brings you not only the latest and greatest gizmos and gadgets that top loan officers are using, but he also frequently shares proven strategies and ways to get more referrals for your mortgage business. Learn what has been successful for those that are at the top of their game and how they've implemented them - so you can do the same as a loan officer.
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Beyond The Rate Sheet

Carl White and Jason Perkins

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Welcome to Beyond the Rate Sheet, your resource for industry insights and innovative strategies to improve your origination business. This podcast is designed to help loan officers in revolutionizing their business improving your performance in every way. Each episode features in-depth discussions on an array of topics, from marketing strategies to technology integration, regulatory compliance to customer service, and everything in between. We bring you exclusive interviews with industry lea ...
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your host, Steve Kyles is joined by special guest Ryan Pope as they delve into the topic of overcoming call reluctance. Discover the strategies Ryan implemented to conquer call reluctance and achieve remarkable business …
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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, your host, Carl White interviews Chelsea Gardner, a Facebook ads expert specializing in the mortgage industry. Chelsea shares insights on running successful Facebook ads for loan officers, emphasizing the importance of targeting …
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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, your hosts, Carl White and Chris Johnstone discuss the guaranteed way to meet with top real estate agents. They delve into the importance of marketing to real estate agents, focusing on qualified agents who have a higher likeliho…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White tackle the crucial topic of establishing financial benchmarks to pave the way for your ideal lifestyle. Join them as they discuss the importance of defining when 'enough' is truly e…
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Episode 114 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Get ready to elevate your networking game in this enlightening episode, featuring the dynamic Iris Guzman, who shares her recipe for success with Lunch and Learns. Iris takes us on a step-by-step journey through her tried and tested approa…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White explore the elusive concept of work-life balance. Is it achievable, or is it just an unattainable myth? Steve and Carl debunk common misconceptions surrounding work-life balance and…
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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, your hosts, Carl White and Chris Johnstone dive into the world of SEO and how it can help loan officers get more loans. They discuss the importance of ranking on Google and the upcoming shift towards AI search engines. Chris shar…
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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, your hosts, Carl White and Frank Garay discuss the incredible success and impact of the Loan Officer Breakfast Club. They delve into the origins of the club, its unique features, and the positive and uplifting atmosphere it provi…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White delve into a question posed by a Breakfast Club member: What should I do when a customer is shopping around? Join Steve and Carl as they navigate the nuances of handling clients who…
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Episode 113 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In the latest episode of the Mortgage Loan Officer Podcast, we delve into the transformative power of AI in converting online leads into tangible business opportunities. Our esteemed guest, Chris Johnstone, a visionary in the mortgage indu…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White dive into the essential mix for today’s thriving loan officer. Discover the four key ingredients that top producers are using to catapult their success in the current market. Whethe…
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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, your hosts, Carl White and Chris Johnstone discuss the importance of choosing the right CRM for loan officers. They delve into the benefits of using a CRM, the features of their own CRM, and how it can revolutionize your mortgage…
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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, your host, Carl White and Owen Lee discuss the latest updates on Triggerlead legislation. They delve into the intricacies of trigger leads, the problems associated with them, and the proposed solutions. Owen provides insights on …
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White get real about what it takes to knock your goals out of the park. They're talking about"Who's Your Ducky?" -a game plan for turning your big dreams into even bigger results. They di…
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Episode 112 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this compelling episode of the Mortgage Loan Officer Podcast, host Frank Garay welcomes Kevin Gillespie from The Loan Officer Leadership Academy to share invaluable insights into the competitive world of mortgage lending. With a focus o…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White get right to the heart of what it means to transform your dreams into actionable plans with something we call the "I Declare" statement. It's all about converting those big dreams i…
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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, your host, Carl White discusses the age-old question: Should loan officers spend part of their prospecting time looking for CPAs? As tax season approaches, the debate between focusing on real estate agents versus CPAs becomes mor…
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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, your host, Carl White shares the greatest business advice he ever received that transformed his business "Just go get more". Carl emphasizes the importance of focusing on getting more referral partners, leads, and closings to ach…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White deliver a knockout strategy for breaking through the overthinking that holds you back. Discover practical ways to shift from spinning your wheels to driving results with Massive Act…
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Episode 111 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Tune into a revolutionary episode of the Mortgage Loan Officer Podcast as we catch up with Ken Perry from Knowledge Coop, who's here to blow our minds with the launch of the Coop+ app. Imagine having the power of every guideline for conven…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White unveil the extraordinary journey of a group that achieved a staggering 500% increase in their business within just eight weeks. Steve and Carl divulge the remarkable strategies and …
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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, your host, Carl White sits down with Jason Scott, a successful mortgage broker with 17 years of experience. Jason shares his insights on how he manages to schedule 15 to 20 appointments per week by utilizing a proactive approach …
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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, your host, Carl White sits down with Brian Stevens from MortgageShots.com to discuss the recent NAR settlement. They delve into the implications of the new NAR settlement on the real estate industry and how it affects loan office…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White delve into a fundamental principle for transforming your income: your calendar. Steve and Carl provide invaluable insights into leveraging your calendar to align with your goals, dr…
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Episode 110 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this solo episode, I dive into the recent settlement reached by the National Association of Realtors and its profound implications for the real estate landscape. From buyer and listing agents to real estate companies and mortgage loan o…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White tackle a pressing question on every loan officer's mind: How can I close more loans and do it faster? As loan officers strive to see results at a quicker pace, Steve and Carl delve …
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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, your hosts, Carl White and Kristin Simpson discuss the concept of a "workcation" and its significance in evaluating team dynamics and focusing on prospecting activities. They delve into the benefits of stepping away from the offi…
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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, your host, Carl White sits down with Robert Fillyaw to share their biggest screw-ups in the mortgage industry. From hiring mistakes to strategic blunders, they discuss the valuable lessons learned from their failures. Join them a…
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Episode 109 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Dive deep into the heart of the mortgage world in our latest episode, featuring the insightful Brian Stevens, co-founder of the National Real Estate Post and Mortgage Shots. We peel back the layers of the industry in a candid conversation …
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your host, Steve Kyles delves into the crucial topic of confidence and how taking massive action is the key to its growth. Steve emphasizes the importance of doing, which leads to increased confidence and the ability to …
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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, your host, Carl White sits down with Adam Hawkins, a loan officer who shares his incredible journey from closing two loans to an impressive eleven loans in just 90 days. Adam discusses his transition from the banker world to the …
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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, your hosts, Carl White and Steve Kyles discuss the importance of not allowing others to leave their "monkeys" in your office, symbolizing unresolved issues. Discover how empowering your team to take ownership of problems can lead…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White delve into the common challenge faced by loan officers: handling rateshoppers. Steve and Carl provide unexpected yet effective strategies for dealing with rate shoppers who present …
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Episode 108 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this electrifying episode, we're joined by the stellar Sharon Wofford, a beacon of consistency at the Mortgage Marketing AnimalsCall Star sessions. Sharon steps up to the plate to share her groundbreaking Realtor Call Stars program, dev…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White delve into the concept of attractional leadership and its power to expedite results in your mortgage business. Steve and Carl share insights into building authenticity and trust, en…
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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, your hosts, Carl White and Steve Kyles dive deep into the number one thing that holds loan officers back: toxic relationships. They discuss the importance of identifying toxic individuals, forgiving them, and extending grace to h…
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