Meet The Social Stars: 2024’s Most Connected Mortgage Pros

Showcasing top LO social media influencers in the mortgage industry, beyond just numbers

Most Connected 2024

Laura Brandao

Partner, Equity Prime Mortgage

Laura Brandao

Total LinkedIn Connections:
12,270

Facebook Business Page Likes:
3,448

Total Instagram Followers:
1,698

What do you find are the most effective strategies for expanding and maintaining a strong network in the mortgage industry?

If you want your connections and business relationships to know who you are, you need to be consistent and stay authentic to your brand, who you are, and your message. Start with, do you know who you are? Once you know what your message is and how you want others to “know” you, you need to get “out there” with that message consistently. Use all modes available to you — not solely a social media platform. Pick up the phone for a chat, place a face-to-face call (video meetings), even leverage the “gold standard” handwritten note for that personal touch. Never underestimate the power of personal connection.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

Video is key. Everyone should have a podcast with a consistent airing schedule. I host a Wednesday Wisdom podcast and have a regularly tuned-in audience. It’s become one of the hallmarks of my brand. I recommend evaluating which social platform serves you as the best resource for the engagement you desire. Lean into that one the most, but still utilize the others (IG, YouTube, LinkedIn, Facebook). Be cautious of AI so you don’t lose your “voice” or uniqueness.

What metrics or key performance indicators (KPIs) do you track to evaluate the effectiveness of your social media activities in building and nurturing your network?

This is an exercise in self-care. On a weekly basis, without fail, I review posts to see what received the most engagement, the most likes, and look for what caused these to rise to the top. It’s important to pay attention to what your connections are drawn to so you can capture their attention in future posts.


John Cady

President, Citywide Home Loans

John Cady

Total LinkedIn Connections:
27,629

Total Instagram Followers:
3,002

Number Of X Followers:
2,665

Facebook Business Page Likes:
2,300

Throughout his 35-year tenure in the mortgage industry, John Cady has approached his career as a perpetual student, constantly seeking opportunities to learn and grow. Cultivating genuine connections and friendships has been a cornerstone of his networking strategy.

He has always believed in the power of relationships, both professionally and personally, and has actively sought to expand his network by engaging with individuals and companies across the industry. As a result, his network has grown organically over the years, encompassing a diverse array of industry professionals who share his passion for excellence and innovation.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

The most impactful trend in social media lies in personalized content creation and authentic engagement. While AI certainly holds promise, the real power lies in loan officers actively participating in social media platforms, crafting personalized posts, and sharing their expertise through video content. By creating informative and engaging videos where loan officers speak directly to consumers, share educational content, and showcase their expertise, they can build trust and credibility as mortgage providers. In an era where consumers place high value on authentic interactions and expertise, becoming a trusted mortgage influencer on social media is crucial.

What metrics or key performance indicators (KPIs) do you track to evaluate the effectiveness of your social media activities in building and nurturing your network?

By taking a nuanced view of our social media presence, we gain insights into who is truly listening and how our content impacts our business. Our goal is to move beyond static metrics and vanity metrics, using our time on social media to foster genuine connections and build a community around our brand.


Enrique Flores

Loan Officer, On The Shore Lending powered by ESHL

Enrique Flores

YouTube Subscribers:
10,100

Total Instagram Followers:
1,133

Total LinkedIn Connections:
486

Can you tell us about your experience in the mortgage industry and how you’ve built your network over the years?

I have been in the business for just over three years now. I was introduced to it during the refi boom after I graduated from UCSB in 2020. I was looking for a career where I could make a lot of money, help a lot of people, and, most importantly, make an impact.

I saw an opportunity in the mortgage business in the sense that there was a great need for better service and education to the consumer but an even bigger opportunity to better educate and train the loan officer.

As soon as I passed my exam, I began creating content (YouTube videos) for new loan officers on things like how to pass the exam, how to get their license, how to take an application, and much more. I was sharing everything I was learning in my own business as it was happening. I would learn something on Tuesday and make a video on it that weekend. I currently have roughly 10,000 followers on my YouTube channel and I average 1,200 views every 48 hours or 219,000 views per year.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

There are so many upgrades and innovations and trends in technology and social media as a whole that it’s hard to say what comes next or what will be next but I do see us going further and further toward transparency, education, and speed.

Social media has also become a living resume — we have never had that. If someone wants to know about you, they go on Google, YouTube, or Instagram. And even if they don’t see you, that still says something about you.


Jonathan Fowler

Divisional VP of Business Development, American Financial Network Inc.

Jonathan Fowler

Total LinkedIn Connections:
29,000

Facebook Business Page Likes:
7,300

Total Instagram Followers:
2,757

Number Of X Followers:
438

With over 30 years of mortgage experience, Jonny Fowler has been helping retail mortgage managers build companies since 1998. His passion for the industry is apparent in everything he does, but the introduction of social media into his arsenal has helped him reach even more people.

Fowler is constantly trying to bring value both with referral partners and the loan officers at AFN. Using his expansive knowledge of both industries, he teaches thousands of Realtors how to transform their business using social media. Fowler also provides a constant sounding board for new ideas on lead generation and business. He is always there for anyone who reaches out for help.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

Currently, short-form video is still extremely effective, but it should be used in different ways than just explaining products. Use reels and shorts to talk about how you solve common problems and help your consumers, along with showing yourself in and around your community.

What metrics or key performance indicators (KPIs) do you track to evaluate the effectiveness of your social media activities in building and nurturing your network?

Engagement is key; without it, you are not seen. Look at what you are posting and at what times. You have to know your audience and what they want to see, which will be indicated by your engagement rate.


Josh Friend

Founder & CEO, Insellerate

Josh Friend

Total LinkedIn Connections:
21,000

Total Instagram Followers:
189

Josh Friend began his career as an LO in 1999. Over the past 25 years, he trained thousands of LOs, processors, and managers, and marketed to millions of consumers; with that experience, Friend has dedicated himself to building software for the mortgage industry and enabling lenders to close more loans with Insellerate’s CRM.

Friend dedicates himself solely to helping other lenders succeed through better borrower engagement. He is transforming the borrower and LO experience with his technology company, Insellerate, which enables lenders to achieve higher revenue goals while creating customers for life.

In addition, Friend is viewed as a thought leader within the mortgage and technology space and has been published numerous times in leading real estate finance publications such as National Mortgage Professional, Tomorrow’s Mortgage Executive, National Mortgage News, and Today’s Lending Insight. He is also a recognized speaker who regularly presents at national and state mortgage association conferences. He has been a featured presenter at Lead Generation World, HW ENGAGE Marketing, CMBA Innovators Conference, Rob Chrisman Market Updates, Fintech Hunting Podcast, and the Lend, Laugh, and Eat Podcast, to name a few.


David J. Hosterman

Regional Manager, Citywide Home Loans

David J. Hosterman

Total LinkedIn Connections:
2,453

Facebook Business Page Likes:
974

Number Of X Followers:
469

Total Instagram Followers:
449

Over the past few years, David Hosterman has been nationally recognized as a top loan officer in the country. He has been featured in national publications such as Forbes, CBS Money Watch, The Street, US News & World Report, Lending Tree, Realtor.com, Credit Karma, Trulia, Nerd Wallet, and MSN Money. In addition, he is the host of two Denver-based radio shows on KDMT Denver’s Money Talk 1690 AM.

What do you find are the most effective strategies for expanding and maintaining a strong network in the mortgage industry?

As a regional manager at Citywide Home Loans, I am responsible for ensuring the mortgage process is a smooth and easy experience. My team and I pride ourselves on our excellent customer service and strive to communicate constantly with my clients, Realtors, and referral partners. You can count on my team and I for responsible, honest, and ethical service at every step of the process.


Anna Karapetian

Mortgage Broker, Anna Kara Loans

Anna Karapetian

Total Instagram Followers:
24,800

Facebook Business Page Likes:
570

Total LinkedIn Connections:
394

What do you find are the most effective strategies for expanding and maintaining a strong network in the mortgage industry?

In the mortgage industry, traditional cold calls are being replaced by the warmth of social media interactions, where authenticity reigns supreme. Building trust through authenticity: genuine personalities resonate with people. By authentically sharing your passions and interests, you transform from a mere loan officer into a relatable ally. This authenticity lays the groundwork for trust, the cornerstone of a robust network. By blending social media’s expansive reach with your authentic persona, you create a mutually beneficial scenario. You cultivate a network of connections who genuinely trust and appreciate you, while solidifying your status as a go-to expert in the mortgage realm. So, bid farewell to outdated strategies — authenticity is the new currency in the realm of social media networking.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

Building a personal brand around your expertise by producing high quality content for multiple social media platforms. Creating community by providing value and cultivating trust in your audience.

What metrics or key performance indicators (KPIs) do you track to evaluate the effectiveness of your social media activities in building and nurturing your network?

By using the insights feature and seeing which content is resonating with my audience and shifting my strategy accordingly.

What strategies do you employ to ensure that your social media presence reflects your professional expertise and credibility as a mortgage professional?

My main strategy is always providing value, being honest, and moving with integrity. I do not post for likes or shares.

Minh Nguyen

Co-Founder, What’s A Mortgage (WAM)

Minh Nguyen

Total Instagram Followers:
329,000

TikTok Followers:
198,300

Total LinkedIn Connections:
290

“My plan was to be a mortgage educator, to inform consumers on what a mortgage is,” What’s A Mortgage (WAM) co-founder Minh Nguyen said. “That’s how we came up with a name. When I started making content and putting the consumer first without thinking about getting something back, is when it started working.”

But no one is a natural-born star, and as Nguyen says, it’s okay to be bad at it when first getting started. Just keep posting consistently.

“I didn’t have a good editor, so our clips weren’t amazing. Transitions were horrible. The lighting was bad, everything was horrible,” Nguyen said. “But I posted twice a day and I went live twice a week. It was crappy going live because I only had five people watching me — my mom, my dad, my brother, my business partner, and my business partner’s parents.”

It took Nguyen a while to build up an audience, going from five viewers in June 2017 to 100 or 200 per video in February 2018. All it took was one video going viral — his V-O-E video, where he sings, “Gimme a V, I got your V, I got your V! Gimme an O, I got your O, I got your O!” with a cheerleader-type dance to teach viewers about verification of employment.

It initially got 2,000 views, and after liquidating his house in March to pay off his debts, Nguyen used some of the remaining money to run the video as a YouTube ad in May. He was able to fund nine loans off the proceeds. The rest is history, he says, and he kept building his business from there.

As his last piece of advice, Nguyen says all ‘newbie’ content creators should remain patient. Generally, leads don’t flood in overnight. “But when you do get a deal,” he adds, “I’m sure it’s gonna be a whale of a deal.”


Mandy Phillips

Branch Manager, Omega Mortgage Group

Mandy Phillips

TikTok Followers:
127,200

Facebook Business Page Likes:
20,000

Total Instagram Followers:
4,484

Total LinkedIn Connections:
1,191

YouTube Subscribers:
500

Some lenders or brokers may find they have a star in their midst and encourage their own staff to become an influencer, like what happened to Mandy Phillips (@mortgagemandy) when she worked as an originator for Vista Real Estate, based in the Redding-Red Bluff Area. Since then, she has become branch manager for Omega Mortgage Group, expanding her reach nationally. Though Phillips initially didn’t have any experience or much comfort in front of the camera, she continued posting consistently and eventually gained 123K followers on her main platform, TikTok.

Phillips often made herself cringe before she developed her showmanship. Although she doesn’t recommend posting a bad video for the sake of creating content, she does advise beginners to go easy on themselves in the beginning.

“Your first 10 or 15 videos are going to be awkward and a little bit painful to go back and rewatch,” Phillips said. “But, the more you do, the easier it gets. And you‘ve just got to start doing it, and you‘ve just got to be consistent. The biggest thing is consistency.”

Phillips was initially surprised she found success through TikTok, since she never considered herself a natural in front of the camera.

“Probably about half of my business now, actually, is just from social media,” Phillips said. “Because of my success with TikTok, I decided to get licensed in multiple states … in addition to California, now I have a license in Texas, Tennessee, Florida, and South Carolina, because I noticed that I was getting a good amount of leads from those states as well.”

People from these states would reach out to her through the comment section, direct messages, or through her email which is shown on her account page.

“I don’t ever try to sell them on anything. I just offer help and value, and I’ve been able to turn that into business consistently,” Phillips said.


Steve Richman

Owner, SteveRichman.com

Steve Richman

Total LinkedIn Connections:
5,139

Tell us about your experience in the mortgage industry and how you’ve built your network over the years.

I have been in the mortgage industry since 1996 and have built my network as a professional speaker and trainer. I provide valuable information in front of the room so that my audience wants to speak with me when the presentation is over. I do not try to sell anything during my presentations; rather, I try to help my audience members find personal and professional success.

I always make my presentation available to the audience so that they can contact me with any questions, comments, or concerns, and we can establish a relationship.

I continually update my information and create new presentation topics to reflect changes in the market. The audience appreciates that I am discussing what is important to them and not repeating the same thing year after year. My presentations are designed to be where motivational meets practical.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

There are two trends that are dominating the world of social media.

First, it is all visual; 90% or more of my posts are either pictures or videos. People do not read posts anymore on social media. Think about the popularity of reels. Pictures and short-form media dominate in this realm. However, people do read captions on videos. To make effective videos and reels on social media, attach captions to your video.

Second, it’s the buzzword of today — artificial Intelligence. AI can help you create a social media plan, help with scheduling, create content, and usually write more eloquently than you can. However, the trick to AI is to use it as a tool and not follow it blindly. You must look at what it produces and make sure it is correct, sounds like you, and actually fulfills the need.

 


Jeanine Robbins

Branch Manager, Geneva Financial LLC

Jeanine Robbins

Facebook Business Page Likes:
1,755

Total Instagram Followers:
902

Total LinkedIn Connections:
766

Jeanine Robbins has been in the mortgage industry for 24 years. She has built her network by being grateful and humble and earning her clients’ business. She is known for her hard work and dedicating her services to helping homeowners achieve their dreams and goals.

What do you find are the most effective strategies for expanding and maintaining a strong network in the mortgage industry?

Referrals. Most of my business is from referrals. Yes, I market now more than ever because social media has such a strong presence. However, referrals are number one. It’s how I came by the name and brand of The Loan Angel. I also maintain a personal connection with my clients, valuing their trust and loyalty.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

I am a host of the Emmy-nominated TV show, The American Dream TV. It’s impactful with clients and industry partners, showcasing real estate, lifestyle, and culture. My social media and TV presence make a positive impact not only on my own community, but across the 14 states in which I’m licensed.

What strategies do you employ to ensure that your social media presence reflects your professional expertise and credibility as a mortgage professional?

I post at least five days a week about my industry. I like to post about what’s happening in the industry and help alleviate people’s fears and questions. I love to give as much knowledge as possible. I just like to come across as real and approachable.


Adam P. Smith

President and CEO, Colorado Real Estate Finance Group

Adam P. Smith

Total LinkedIn Connections:
19,901

Facebook Business Page Likes:
4,997

Total Instagram Followers:
1,971

Number Of X Followers:
975

After years as a mortgage broker, Adam Smith opened his brokerage 20 years ago, and it is still in operation. Good contact data-gathering techniques coupled with solid contact management work built his initial network. With the subsequent inception of social media, Smith has exercised and taught audience-building techniques on most platforms. He believes that the goal is to have as many people consuming as much of your content as possible. No matter your content, no matter your message, you need an audience to hear that message. If you are going to do a mail campaign, you need addresses. If you’re going to do text or voice mail campaigns, you need cell phone numbers. And, if you’re going to do social media work, you need audiences or connections to consume that content.

After years of audience-building and audience fine-tuning techniques, he has built and maintained a relevant network that consumes that content, sometimes in a very viral manner. One of the most unique things he does, and has always done, is to still make hundreds of non-transaction-related phone calls every week, and that is still one of the greatest networking and lead-generating techniques.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

Trends and innovations in social media do still occur, albeit not as rapidly or frequently as they did. You still have to know how the algorithms shift. You need to know what changes are impacting your edge rank and how to adapt to them or even stay ahead of them. You have to know how to identify when your audience is present and consuming your content. You have to know these things in order to ensure that you always have more people consuming more of your content. On top of that, and no matter whether it’s innovative or trending on any particular platform, you need to remain constant and consistent in all this work.


Dustin Wells

Co-President, Stronghill Capital

Dustin Wells

Total LinkedIn Connections:
7,631

With over 25 years in the mortgage industry, Dustin Wells’ experience spans a range of organizations, from multi-billion-dollar firms to smaller boutique organizations. Throughout his career, he has understood the industry as remarkably interconnected, where reputation is paramount. Recognizing this, he has dedicated himself to cultivating lasting relationships and establishing a solid reputation as a reliable partner.

His journey in the mortgage industry has been one of continuous learning and relationship-building. Wells has honed his skills and knowledge through diverse roles and experiences, gaining insights into various aspects of the industry. From navigating complex financial structures in large firms to fostering personalized client interactions in smaller settings, each opportunity has contributed to his expertise and network.

What emerging trends or innovations in social media do you see as particularly impactful for mortgage professionals, and how do you plan to adapt your strategies accordingly?

In my opinion, several emerging trends and innovations in social media hold significant potential for mortgage professionals. One of these is the increasing popularity of video content. Platforms like TikTok, Instagram Reels, and even LinkedIn are seeing a surge in video consumption. Mortgage professionals can leverage this trend by creating informative and engaging video content. Whether it’s explaining complex mortgage product features, sharing industry insights, or providing tips for our partners, video content offers a dynamic way to connect with audiences and establish expertise.

Additionally, the growing importance of community-building on social media presents an opportunity for mortgage professionals. Instead of solely focusing on self-promotion, building online communities where individuals can ask questions, share experiences, and offer support can enhance credibility and foster long-term relationships.

Furthermore, the use of chatbots and AI-driven messaging tools is becoming more prevalent. These tools enable mortgage professionals to provide instant responses to inquiries, schedule appointments, and even offer personalized advice, enhancing customer service and efficiency.

This article originally appeared in National Mortgage Professional, on the week of July 1, 2024.
About the author
Published on
Jul 08, 2024
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