Episode 688
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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, Carl White sits down with Monica Ledbetter, a loan officer averaging 12 closings per month, to break down how she builds relationships with agents and turns those relationships into consistent referrals.
Monica shares a timely strategy she is using to get in front of agents by educating them on upcoming appraisal changes. By creating a simple resource agents can use and pairing it with personal outreach, follow-up, and educational opportunities, she has found a natural reason to start conversations and provide value. In fact, the strategy generated four referred leads in just the first few days of using it.
Carl and Monica also dig into the numbers behind her business, including how she meets new agents, why she starts with existing relationships and warm introductions, and the approach that has helped her turn nearly half of her agent meetings into referral relationships.
They also discuss why listening may be one of the most valuable skills a loan officer can develop. Monica explains how being fully present, understanding what an agent needs, and following up with a personal touch have helped her build relationships that consistently produce business.
If you want more agent conversations, stronger referral relationships, and practical ideas for creating value before asking for business, this episode gives you a look at what is working for a loan officer currently averaging 12 closings per month.




