The 5 Steps To Closing More Loans in 2025

I just finished my morning bike ride, and I was pondering the entire 2 hours, so I thought I would come in and download from my brain my thoughts while peddling this morning. 

First of all, let’s cut through the noise. 

If you’re looking to make more money, close more deals, and build a business that doesn’t run you into the ground, then keep reading—because this is the No B.S. Guide to Making More Money in 2025 as a Loan Officer

Warning: 
I’m not here to give you fluff. I’m here to tell you what actually works. 

Step 1: Own Your Mornings Like a Top Producer 

Most loan officers waste their mornings on emails, paperwork, or “getting ready” to work. 

The best loan officers make money first. 

Here’s how: 

  • One hour of outbound calls – Call past clients, pre-approved buyers, and realtors. 
  • One hour of follow-ups – Nurture leads who are “thinking about it.” 
  • One hour of business-building – Post content, network, or meet with referral partners. 

Hard truth: If you’re not making money before noon, you’re losing money. 

Step 2: Stop Chasing – Start Attracting 

Most loan officers chase leads. The top producers attract them. 

Here’s how: 

  • Communicate with your ideal referral partners and clients.  
  • Post real success stories, not boring mortgage facts. 
  • Stay top-of-mind with a weekly email, video, or text to your database. 

Reality check: If people don’t know who you are, they’re not sending you business. 

Step 3: Follow Up Like a Closer 

Want to make more money? Talk to people more times than you think you should. 

Most loan officers call a lead once and never follow up. That’s why they struggle. 

Here’s the fix: 

  • If they don’t say no, assume they still need you. 
  • Don’t ask, “Are you still interested?” Instead say: 
  • “Hey [Name], just checking in—did you find a home yet, or is the search still on?” 
  • Follow up at least 7 times. 

Loan officers who follow up the most, close the most. Simple math. 

Step 4: Build a Referral Machine 

Want more high-quality leads without buying them? Get more referrals. 

Here’s how: 

  • Give before you get. Do a favor for a realtor or past client first. 
  • Ask the right way. Instead of “Know anyone who needs a mortgage?” say: 
  • “Who’s the next person I should be introduced to?” 
     
  • Follow up on those referrals like green on a pickle and thank the person who referred them to you, whether it works out or not. 

Referrals aren’t random—they’re earned. 

Step 5: Cut the Time-Wasters 

Most loan officers drown in busy work that doesn’t make them money. 

Here’s what to outsource or automate as soon as possible: 

  • Loan processing – Get a Processor. 
  • Social media posting – Hire a VA. 
  • Chasing conditions and putting out fires – Get a Loan Partner. 

Your job isn’t paperwork—it’s getting new business. Everything else should be delegated. 

Ready to Take Action? Here’s the Three-Part Challenge 

  1. Lock in a “Money-Making Morning” – Outbound calls, follow-ups, content. 
  1. Follow up with every warm lead at least 7 times. 
  1. Send one referral request per day. 

Do this for 30 days and watch your income grow. 

Want accountability? Join me and thousands of loan officers using my patented scripts and conversation guides. 
 
This is where the real closers are sharpening their skills daily. 

No gimmicks. No fluff. Just real results. 
 
Go to GetMoreLoans.com and tell them you want to go over my proven plan and scripts and they will give you some… free. 

Let’s win 2025. 

If you’re serious about closing more deals and scaling your business, don’t just read this—implement it. And if you want a community to hold you accountable, This Is Where Your Journey Starts.  

One Move That Instantly Increases Your Loan Closings

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 dives into the one simple move that can instantly increase your loan closings!

Carl shares the powerful formula that top producers use consistently: More Conversations = More Closings. Discover how to set a daily conversation goal, use effective referral hooks, and connect with the right people to boost your business.

If you’re a loan officer looking to close more loans, make more money, and gain freedom in your business and life, this episode is for you!

Join the Call Stars at GetMoreLoans.com for real-time accountability and support!

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

Database Gold!

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 dives deep into a game-changing strategy for mortgage professionals: growing and leveraging your database.

Do you know that your database is your goldmine? With at least 300 contacts in your phone, social media, and past clients, you have a wealth of potential referrals at your fingertips.

Carl shares eye-opening statistics that reveal how effectively marketing to your database can lead to significant increases in closed loans and income.

Carl also discusses the importance of consistency in your marketing efforts and shares practical tips on how to keep track of your outreach.

If you’re ready to transform your pipeline and see massive results, this episode is for you!

Get your exact scripts for outreach at getmoreloans.com

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

The Fastest Way to Win Referral Partners

Too many loan officers get stuck in planning mode, obsessing over every little detail instead of just taking action.  

It’s easy to believe that if we just perfect our plan, then success will follow. But in reality, we learn far more by doing than by overthinking. 

Stop Overcomplicating Referral Partnerships 

A common example? Loan officers overcomplicate the process of building relationships with referral partners.  

Instead of waiting until you have the “perfect” pitch, just reach out and make a connection. 

Try this: 

“Hey [Agent’s Name], I think you’re awesome, and I’d love to treat you to a cup of coffee so you can tell me more about how awesome you are.” 

That’s it. No elaborate scripts, no fancy presentations. Just a simple, genuine invitation.  

The real magic happens during that meeting. When you’re wrapping up,  make it clear what they can expect: 

  • I’ll close you on time. 
  • I’ll keep you updated on the loan process. 
  • I’ll follow up on your leads like green on a pickle. 

Those are the 3 biggest pain points of high-producing agents according to a survey that they answered. 

Action Teaches You More Than Planning Ever Will 

We all want to know everything upfront—the exact right way to approach a referral partner, the best way to handle objections, the perfect follow-up strategy.  

But the truth is, you only get better by doing. 

When you start taking action, you’ll get real-world feedback that no book, course, or brainstorming session can give you. You’ll hear objections like: 

  • “I already have a loan officer.” 
  • “I’ll send you leads if you pay me first.” 

And because you’re in the game, you’ll learn how to handle them. You’ll adjust, improve, and keep moving forward—something that never happens when you’re just sitting there, thinking about your next move. 

Risk Looking Stupid (It’s Worth It) 

Taking fast action means embracing imperfection.  

You won’t always say the right thing. You might stumble over your words. You might even feel a little embarrassed. But guess what? The more you do it, the better you’ll get. 

So be willing to risk looking stupid. The people who win in this business aren’t the ones who have the most polished presentations—they’re the ones who take action, build relationships, and keep learning. 

Bottom Line 

Get out there and do the thing. Have the conversations. Make the calls. Book the meetings. You’ll learn far more from experience than you ever will from a perfect plan. 

Action beats perfection every single time.

Getting Builder Business with Liz Copeland

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 Liz Copeland, a mortgage lender based in Virginia Beach, who shares her journey from working in wealth management to establishing her own lending business focused on builders and realtors.

Liz discusses her move from Charlottesville to Virginia Beach, motivated by a love for the beach and a desire to grow her business.

She emphasizes the importance of building relationships with builders, highlighting her approach of understanding their needs and providing tailored solutions, such as adjustable-rate mortgage products during rising interest rates.

Whether you’re a seasoned loan officer or just starting in the industry, Liz’s experiences and insights will inspire you to take your business to the next level.

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