Madison Mortgage Services Inc.
Company NMLS # 1862796
Retail LOs are getting robbed… every day.
I sat with a retail LO last week and we compared pricing live.
He couldn’t come close to the rate I was offering.
Three-quarters of a percent higher before comp.
Not because he’s bad at his job.
Because the margin baked into his rate sheet makes him uncompetitive.
Key reasons this matters:
✅ Bad pricing kills deals
✅ Old platforms stunt growth
✅ Margin hides your real value
You can be the best salesperson in the world, but it won’t matter if your rates aren’t competitive and your execution is handcuffed.
If your platform is built for 2005, you will lose to the ones built for 2025.
It’s not about loyalty.
It’s about survival and growth.
Is your platform helping you win, or holding you back?
Underwriting is the silent killer for so many LOs.
If you’re coming from a small retail shop or a tiny IMB, you already know the problem.
When a company is doing under $80–100M a month, every loan is life or death.
One scratch-and-dent at 88 cents on the dollar can wipe out profit.
So they underwrite scared.
They overcondition.
They stall files because they can’t afford a mistake.
Key reasons this matters:
✅ Fear slows approvals
✅ Scale protects execution
✅ Strong ops build confidence
In the wholesale channel, the scale is massive.
Hundreds of millions a day.
No scared underwriting.
No panic about selling every loan.
They’ll hold it.
They’ll service it.
They own the risk, and not you.
Once LOs see that difference, their only regret is not seeing it sooner.
How much is scared underwriting costing your business right now?
As we move through 2025 and look ahead to 2026, Kristopher Feeney shares why the shift to wholesale lending is creating greater opportunity—not only for loan officers, but for the borrowers they serve.
With more flexibility, stronger pricing, and access to a wider range of solutions, this model empowers loan officers to operate with clarity, efficiency, and confidence—while delivering better outcomes for clients.
@luckofirish
#wholesalelending #loanofficers #mortgageindustry #leadership
9-day CTC on an FHA loan in Virginia. ✔️
Whether it’s FHA, conventional, or more complex scenarios, our team is built to move with speed and efficiency.
And the best part? We’re licensed in 45 states, which means this level of execution isn’t limited to one market. 🚀
#fhaloan #cleartoclose #mortgageprofessionals
Some loan officers think flat fee is the only move, but it depends on where you are in your career.
Flat fee works best when you already self generate, understand products, and know how to execute.
If you need structure, support, or help putting deals together, the standard plan gives you everything you need until you’re ready to switch.
✅ Flat fee fits strong self gen LOs
✅ Standard plan gives full support
✅ Switch plans when you are ready
If you want help choosing the right path for your business, send me a message and let’s talk.
Most agents miss this one simple follow-up, yet it’s the small habit that quietly builds careers over decades and turns relationships into repeat business.
Today on The Madison Podcast, host Ben Lavender sits down with Ross Keit of Keller Williams Realty Landmark, a second-generation broker with 20+ years in NYC real estate and $100M+ in closed volume, to unpack what actually drives referrals, trust, and long-term success.
@blavmtg @rossk
🎧 New episode releases today.
#realestatetips
#agentsuccess
#referralbusiness
#nycrealestate
#podcastrelease
Most LOs don’t need more leads.
They need better follow-up.
Tech can help.
AI can help.
But it will never replace the human element of calling, texting, and actually staying connected.
Key reasons this matters:
✅ Follow-up creates conversions
✅ Structure builds consistency
✅ Human touch wins trust
There’s a real strategy behind consumer-direct follow-up.
There’s a process.
There’s an approach.
We’ve learned it over time, and we teach it so loan officers can execute at a higher level.
How strong is your follow-up structure right now?
🎯 Nine days. Clear goals. Strong teamwork. This is how results are created! Shout out to our loan officer Sunny Sehjal and Team Lead, Tomer Ahituv on a successful nine day CTC. #TeamTomer #madisonmortgage #loanofficer #realestate #mortgagebroker
Some LOs think they want the highest payout.
But what they really want is support, speed, and a company that actually shows up for them.
Key reasons this matters:
✅ Support drives confidence
✅ Speed saves relationships
✅ Execution creates momentum
Last week an LO came to us after a blown-up Non-QM deal.
Another lender denied it.
We got it clear-to-close in 7 days.
Now she’s already working on three more transactions with renewed confidence and stronger realtor trust.
How many LOs would choose differently if they experienced real support just once?
The key to consistent loan volume every month is simple.
You need a large pipeline of pre-approvals.
Not a few.
A lot.
And that comes down to how you spend your time.
Key reasons this matters:
✅ More PAs create volume
✅ Systems drive execution
✅ Efficiency frees your time
If you’re bringing in seven clients a month, you’ll close one or two deals.
But if you bring in seventy, and have a system that funnels and executes, you can close 10 to 15 every single month.
That’s the difference between staying small and scaling.
The more efficient your organization is, the less time you waste on low-quality tasks, and the more time you spend generating real business.
How much time are you actually spending on pre-approvals versus growth?
What surprised me most about switching to a flat-fee model wasn’t the people choosing 100% commission.
It was how many loan officers didn’t choose it.
Because they wanted full support, real mentorship, and a team that helps them structure and execute every deal the right way.
And the wild part?
Those same LOs are now doubling, tripling, even 4x-ing their production because they finally have the backing they always needed.
They didn’t need less support.
They needed the right support.
✅ Guidance on structuring every loan
✅ Big support that drives real growth
✅ A system that lifts production fast
Want to see what that level of support feels like?
DM me and I’ll show you.
“Success is the sum of small efforts repeated day in and day out.“ – Robert Collier
This week we’re proud of spotlight Jeremy Green, a Loan Officer at Madison Mortgage who understands the value in treating his operations like a business owner.
Jeremy doesn’t wait for the moment to happen, he creates it.
In 2026 momentum isn’t just a metric, it’s a mindset and when you operate with discipline and purpose momentum doesn’t just follow… it accelerates everything and everyone around you!
2026 is going to be a great year for Jeremy. Keep setting the tone. 👏 #madisonmortgage #mortgagetips #loanofficer #workculture #successdriven
As a loan officer, you’re a business owner.
You’re not just originating loans.
You’re running an operation.
Your time, your focus, and your team structure determine how far you grow.
You have to decide where you spend your hours, and where you need support behind you.
Key reasons this matters:
✅ Teams improve execution
✅ Time drives production
✅ Systems enable scale
At Madison Mortgage, we help you build your business within ours.
We’re a platform designed for elite execution.
With best practices, structure, and a model that supports real growth.
If you want to run your business the right way, come to a place that teaches you how to scale it.
How intentionally are you building the business behind your name?
🎙️Most agents don’t fail from a lack of talent. They fail because they mistake being busy for doing the work.
On this episode of the Madison Podcast, host Ben Lavender sits down with Josh Pismeny (List With JP), a top-producing agent and team leader at Real Broker, to uncover what actually drives growth in real estate today.
🎧 The full episode drops today on YouTube, Apple Podcasts, Spotify, iHeart, and wherever you get your podcasts! @blavmtg @list.with.jp
#realestatetips #agentgrowth #madisonpodcast #realestatesuccess topproducer
Shout out to Team Tomer on a successful clear to close for their clients! Sunny Sehjal and Tomer Ahituv are consistently closing deals for home buyers. Way to go!! 👏👏 @madison_mortgage @tomernyc #homebuyers #realestate #loanofficer #homeownership #loanofficerlife