2025 Through A Top Originator's Lens ft. Stephen Moye

In this week’s compelling episode of The MikedUp Show, hosts Mike Kelleher and Michael Zau welcome Stephen Moye, Senior Loan Officer and Sales Manager at New American Funding. Stephen’s accolades speak for themselves: 2022 & 2024 President's Council Winner, Scotsman Guide Top Loan Originator for 2020, 2021, and 2022, and Mortgage Executive Magazine Top 1% Originators in America for three consecutive years. With a career spanning back to 1996 and over 3,800 families served, Stephen brings unparalleled expertise to the table, offering listeners a unique perspective on the mortgage industry’s future.

As we prepare to embrace 2025, Stephen shares an insider’s take on what lies ahead for loan originators, industry leaders, and homebuyers alike. Drawing from decades of experience, he breaks down the evolving landscape of mortgage lending and explores how originators are empowered today to make better decisions and earn the rewards they deserve. Stephen emphasizes the critical importance of being a servant to the industry and highlights how collaboration, mentorship, and community-building are shaping the future of mortgage banking.

Stephen candidly admits that, as an "old-school person," he’s had to adapt to significant industry shifts—and he’s done so with grace and innovation. He discusses the "new NIL landscape," where loan originators have opportunities akin to those offered in collegiate NIL programs. It’s a game-changing era, where industry professionals are encouraged to focus not only on numbers but also on fostering meaningful relationships with colleagues and clients. This is a show about transforming mindsets, embracing leadership roles, and cultivating an ethos of service to others.

The conversation delves deep into the core principles that drive success in mortgage lending. Stephen reminds us that the ultimate goal is to help families achieve the American Dream, whether it’s through purchasing a $150,000 manufactured home or a $1.5 million property. “Never lose sight,” he says, “that these are families whose lives you’re changing.” His passion for helping people secure homes and build communities shines through in every word.

Beyond helping families, Stephen touches on the broader ripple effects of our actions as industry professionals. From inspiring colleagues to fostering innovation across organizations, he believes in the power of servant leadership to create a lasting impact. As Mike and Michael summarize, it’s about asking, “What’s in it for everyone else?” rather than, “What’s in it for me?”

Whether you’re a seasoned mortgage professional, a new loan originator, or someone looking to better understand the dynamics of the industry, this episode is packed with invaluable takeaways. Stephen Moye offers a refreshingly honest and optimistic perspective on where the mortgage industry is headed. As he puts it, “This is an industry with a bright, bright future ahead.”

Tune in now to hear more about Stephen’s journey, his vision for 2025, and how he continues to lead with integrity and purpose. Don’t miss this inspiring and insightful conversation