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Does Creativity Matter for Mortgage Professionals?

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While someone describing the work of a mortgage loan officer might not immediately jump to creativity, it may be more significant than many would think. Especially if you’re a loan officer looking to grow your business, assessing your level of creativity in your work and looking for ways to incorporate more could help give you the edge you need to succeed. So, where can creativity come into play in the life of a mortgage professional? Let’s take a look:

Problem Solving

Problem solving is certainly a valuable skill for mortgage professionals. Whether it’s an internal issue with processes and systems or a challenge with a particular client, knowing how to think on your feet, adapt to change, and find the best solution to the problem at hand is a powerful driver of success. Where does creativity come into play? Creative problem solving means having an open mind, looking at challenges from new angles, collaborating when appropriate, and staying curious. That might look like a messy, unfiltered brainstorming session or a quick call with a colleague. Whatever the case, creativity can take your problem-solving to the next level.


When professionals are locked into a rigid way of explaining something to their clients, it doesn’t tend to make for great communication. Depending on your client, some concepts may be more difficult than others for them to fully understand. Bringing some creativity into your approach here can transform the interaction. Pay attention to the most common questions you receive and see if there are new ways you could address them. Maybe a graphic would make more sense. Or perhaps there’s a video you could share to break down some key terms. The more creative you are with how you communicate with your clients, the better you can meet their unique needs.

Stand Out

From your marketing efforts to your customer service, creativity can help you stand out from the pack. Creativity is about thinking outside the box, looking at things from different perspectives, and trying new things. Maybe there’s a marketing idea you’ve been tossing around for a while that you want to implement. Or maybe the way you engage with customers can be elevated by incorporating some different strategies. When you’re open to new ideas and testing things out, you give your business the opportunity for expansive growth.


Finally, creativity can be a great outlet for many professionals. The day-to-day work of a mortgage professional can certainly be stressful from time to time, and having strategies to release that stress is important for your overall well being, both professional and personal. Maybe you sign up for a class in a creative medium, or maybe you simply carve out some time to color with your kids. Maybe being creative means engaging in some free-form writing or working through your new ideas. Intentionally making time for this type of thinking, in whatever form works for you, can help you reset and recharge.

Does creativity play a role in your work as a mortgage professional? Do you find it to be beneficial? Are there areas where you’d like to incorporate more creativity? I’d love to hear your thoughts!

Don Riggs

VP – Retail Market Leader

NMLS 132702



This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational, recruiting material intended for mortgage professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Cardinal Financial Company, Limited Partnership, NMLS ID 66247, is an Equal Housing Opportunity Lender. Corporate Address: 3701 Arco Corporate Drive, Suite 200, Charlotte, North Carolina 28273. Licensing information can be found at: