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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. What if just $5 a day could keep your name in front of every past client and referral partner—without annoying anyone? In this episode, your host, Steve Kyles is joined by targeted ad strategist Chelsea Gardner to break down how loan off…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In Part 2 of this candid conversation, Ryan Pope dives deeper into what drives Steve Kyles to consistently show up and lead at a high level. Steve shares how overcoming limiting beliefs, mastering your calendar, and surrounding yourself …
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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 chats with Luke Shankula, a missionary kid turned expert in AI applications, about the importance of prompt engineering and practical ways to leverage AI tools like ChatGPT to enhance productivity and market…
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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 dive into the concept of "shiny whistle syndrome" and share practical strategies to maintain focus in a world filled with distractions. Drawing inspiration from a powerful basketball ana…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this special episode, Ryan Pope flips the script and interviews Steve Kyles about his personal journey—from humble beginnings to leading one of the top mortgage coaching communities in the country. You’ll hear how Steve first entered …
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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 Owen Lee dive into the latest developments surrounding the Consumer Financial Protection Bureau (CFPB) and its significant changes under new leadership. They discuss the ongoing court battles regarding …
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Episode 153 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I’m pulling back the curtain on my journey into the investor loan space — and specifically, how I closed a $2.1 million cannabis loan in Sacramento, CA. I’ll walk you through what made this deal unique, the challenges I fa…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. Your past clients want to hear from you. They just forgot you’re still in the business. In this episode, your host, Steve Kyles shares a simple system to turn old relationships into new referrals—without cold-calling or sounding salesy. …
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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 sit down with Frank Seidman, a loan officer who shares his inspiring journey from struggling with zero closings to achieving four units in a month. Frank discusses the pivotal changes he made in his daily r…
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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 dive into the fascinating world of teamwork through the lens of Belgian draft horses and Clydesdales, exploring how these powerful animals can pull significantly more weight together tha…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. If you’ve been hovering around 5–7 loans a month and can’t seem to break through, this episode is going to shift everything. The problem isn’t lack of effort. It’s lack of structure. In this episode, your host, Steve Kyles explains why m…
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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 dives deep into how top-producing loan officers are generating 2 to 3 referrals every single day from their sphere of influence. He shares a proven daily success plan that focuses on meaningful con…
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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 addresses a common misconception among loan officers: the search for a magical lead source that will transform their business. He emphasizes that the true key to success lies not in finding the next big thin…
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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 a personal story about overcoming a childhood speech impediment and the pivotal moment that changed his life—his ability to say his friend's name, Rory. He reflects on the importance of perseverance, …
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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 shares how top producers consistently close 8–10 loans a month without buying leads, cold-calling, or chasing. The secret? Structure, not hustle. You’ll hear what happened when over 4,000 outbound …
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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 Owen Lee dive into the latest updates on the mortgage industry, focusing on the recently introduced trigger lead bill in Congress. Owen shares key highlights from the Mortgage Bankers Association's advo…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. If you’re not getting at least 2–5 loans a month from your database, you’re leaving serious money on the table. In this episode, your host, Steve Kyles breaks down why most loan officers miss out on consistent, referral-rich business—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 shares valuable insights on how loan officers can tap into the often-overlooked resource of credit unions for referrals. Inspired by a question from Glenn, a successful loan officer from Long Beach, Californ…
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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 Eric Levin, co-founder of ModelMatch, as they explore the world of data-driven business development for loan officers and real estate agents. They discuss the importance of efficient prospecti…
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Episode 152 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, we're excited to announce that Loan Officer Breakfast Club replays are now available nationwide for free — so no matter where you are, you can plug in and get the inspiration and tactic…
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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 his insights on why having data alone isn't enough for loan officers and branch managers looking to build successful relationships with real estate agents. He introduces Model Match, a powerful tool t…
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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 Brian Stevens from Mortgage Shots, diving into the fascinating world of the mortgage industry. They discuss the dynamics of Shark Tank investments, the importance of building rhythms in business, …
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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 and Chris Johnstone break down how AI can help loan officers scale agent outreach, answer inbound calls, and book more qualified appointments—without losing the personal touch. They talk about usin…
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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 Owen Lee discuss the recent developments in the mortgage industry, including the impact of tariffs and the current market dynamics. They reflect on their recent State of the Mortgage Industry address, w…
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Episode 151 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Chris Johnstone from Mortgage Marketing Animals to talk about the Loan Officer CRM—and more specifically, its powerful built-in AI assistant. I share my personal experie…
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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 are joined by Allison Johnston—President of Success Mortgage Partners and the queen of turning no’s into yeses. They break down five overlooked ways to save tough deals, from getting DPA exception…
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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 share a personal story about his early experiences with webinars, where he faced the challenge of presenting to empty rooms. Despite initial discouragement, Carl emphasizes the importance of consistency, di…
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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 dive into the goldmine of first-time homebuyers, who make up a staggering 35% of all mortgage transactions. Discover why this often-overlooked group is crucial for building a successful mortgage business an…
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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 Frank Garay unpack the real results from our recent Call Stars 50 Blitz—nearly 4,200 outbound calls, over 1,800 conversations, 323 referrals, and 46 appointments in a single day. They break do…
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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 share crucial information about the upcoming State of the Mortgage Industry 2025 live Zoom session. This interactive meeting, hosted with industry expert Owen Lee, will cover essential topics such as intere…
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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 Frank Garay talk about the game-changing impact of having 50 real conversations a day—with people you already know and have relationships with. They unpack how community and accountability are…
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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 unpack the journey of starting a business and leveraging technology to generate leads through targeted Facebook ads. Discover how Steve and his wife leveraged their existing network of conta…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. What does it take to consistently close 20+ loans a month? In this episode, your host, Steve Kyles sits down with Brittany who shares the six things that have helped her reach 21 closings this month, including the three must-do activitie…
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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 Owen Lee take a closer look at the significant news of Rocket Mortgage's recent acquisition of Redfin for $1.75 billion, exploring the implications of this merger for the mortgage industry. They discuss…
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Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. Not everyone hit 50 calls, but they still won the game—because momentum beats hesitation every time. In this episode, your host, Steve Kyles talks about why some don’t hit their goal, but they still win, how your story inspires others, a…
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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 invaluable insights on how to think like a millionaire loan officer, emphasizing the mindset shifts that differentiate successful loan officers from those who struggle. Drawing from the principles in …
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