How Will You Thrive In '25?

As the mortgage industry evolves, 2025 promises both challenges and opportunities for loan originators willing to adapt and innovate. Industry leaders from across the field have shared their insights on the strategies that will drive success in the coming year, emphasizing the importance of relationships, technology, and adaptability.

The Power of Building Relationships

Alan Middleman of Freedom Mortgage recommends loan originators immerse themselves in the community by spending weekends at open houses with realtors. By meeting potential buyers in person, originators can create connections that lead to immediate business and long-term opportunities. Middleman highlights that even if potential buyers don’t purchase a home immediately, being the familiar and trusted face can position originators as the go-to professional when they’re ready to buy.

Similarly, Brian Hale of Mortgage Advisory Partners underscores the value of direct engagement with clients. He advises loan officers to prioritize personal communication—whether by phone or video—over relying solely on digital tools or assistants. “Understanding what motivates a client to buy a home opens up new opportunities,” Hale shares, emphasizing the timeless importance of trust in the mortgage business.

Leveraging Social Media and Branding

In a digital-first world, having a strong online presence is non-negotiable. Joseph Shalaby, CEO & Principal Broker of E Mortgage Capital, advises loan originators to focus on authentic content that resonates with their audience. Instead of generic mortgage posts, Shalaby suggests sharing relatable, personal stories that nurture client relationships over time. Social media, he explains, is not about quick wins but about staying top-of-mind for future opportunities.

Brian Poetschlag of Fast Lane Funding, who is entering his first full year as a loan officer, is also banking on branding and technology. “To succeed, I need to combine social media, branding, and the best tech available,” he says, reflecting a modern approach to scaling a mortgage business.

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Targeting New Markets

Expanding beyond traditional borrower demographics is another key strategy for 2025. John Wise of Newfii Wholesale advises originators to seek out self-employed borrowers and investors. These groups, he explains, often travel in networks, making it easier to turn one deal into multiple opportunities. Monique Chevalier of ClearEdge Lending echoes this sentiment, highlighting how bank statements can be used as an alternative to tax returns for self-employed clients, opening the door to a previously underserved market.

Consistency in Prospecting

Mark Dowling of CMA Financial Group emphasizes the importance of consistent prospecting. He recommends dedicating two hours a day, three to four days a week, to building relationships and seeking new clients. This focused approach, Dowling guarantees, will yield results and ensure sustainable growth.

Harnessing Technology

The role of technology in shaping the industry cannot be overstated. Troy Kennedy, CEO of LoanWorks, is optimistic about the potential of artificial intelligence to create competitive advantages. With tools like AI-powered assistants, Kennedy sees a future where mortgage professionals can streamline processes and expand market opportunities. “Technology is key to staying ahead,” he says, as he prepares his team for the opportunities ahead.

A Multifaceted Approach

Thriving in the mortgage industry in 2025 will require a blend of traditional strategies and modern tools. From building genuine relationships to leveraging technology, targeting new markets, and maintaining a consistent approach to prospecting, the keys to success are clear. As professionals navigate this dynamic environment, adaptability and forward-thinking will remain essential. With these strategies in hand, mortgage originators are well-equipped to seize the opportunities 2025 has to offer and set themselves up for long-term success.

We want to know, how are you planning to thrive in 2025?