Jul 21, 2026 · 33 min · 11 segments
AI isn't replacing loan officers—but it is changing what it takes to succeed. The mortgage professionals who embrace technology while building trust with borrowers will be the ones who thrive in the…
Dave SavageGuest
Ginger BellHost
Matt ShieldsHost
rather than order takers, right? And so what does that look like in today's market?

Well, I think the North star of advice versus price is financial freedom lending that I call it.

They show a fee worksheet, here's your rate, here's your payment, and they compete on price.

But when I think of advice, it's the loan officer that's obsessed with helping a consumer achieve financial freedom with homeownership.

And so that would be a little different conversation with someone who's renting and a first time home buyer versus someone that owns a home.

And now it's like, hey, how do we optimize your debt, your equity? your assumptions around what's happening in the market, your goals, like is your goal to move up to a bigger home? Is your next goal a second home? But an advisor is all about financial freedom.

I want you to own homes and as many as you want to achieve your goals and a financial freedom.

Oh, and by the way, one other thing is I truly believe that I did a LinkedIn post on this, that when a loan officer is an advisor and they're playing the financial freedom lending game, they actually increase the size of the market.

Like if you look at for over 50 years, the market's been created by interest rates, they come down.

But if you are literally optimizing your database and optimizing every consumer on financial freedom, there'll be more loans.

rather than order takers, right? And so what does that look like in today's market?

Well, I think the North star of advice versus price is financial freedom lending that I call it.

They show a fee worksheet, here's your rate, here's your payment, and they compete on price.

But when I think of advice, it's the loan officer that's obsessed with helping a consumer achieve financial freedom with homeownership.

And so that would be a little different conversation with someone who's renting and a first time home buyer versus someone that owns a home.

And now it's like, hey, how do we optimize your debt, your equity? your assumptions around what's happening in the market, your goals, like is your goal to move up to a bigger home? Is your next goal a second home? But an advisor is all about financial freedom.

I want you to own homes and as many as you want to achieve your goals and a financial freedom.

Oh, and by the way, one other thing is I truly believe that I did a LinkedIn post on this, that when a loan officer is an advisor and they're playing the financial freedom lending game, they actually increase the size of the market.

Like if you look at for over 50 years, the market's been created by interest rates, they come down.

But if you are literally optimizing your database and optimizing every consumer on financial freedom, there'll be more loans.
The rest of this transcript — segmented and speaker-labeled, so you land on the exact moment something was said
Search every transcript — by keyword, by phrase, or by meaning, across every show Radar indexes
Trends — what is surging across podcasts, measured against its own baseline
Alerts — when a name you follow appears in a newly indexed episode
No account is needed to search Radar.