r/loanoriginators rules, stats, and what to post

This is a subreddit for people who work in mortgage and residential lending. The description calls it a home for all those who are in the mortgage and residential lending businesses, so the room is full of loan officers and other industry professionals talking shop with each other. It is not a place for consumers. The rules say this twice, in “No rate shopping or personal mortgage advice posts.” and “No engaging in consumer posts”, because the moderators want a space where professionals help professionals. If you are a founder or marketer, you are a guest in a working trade community, and the rules make clear that promoting anything is off the table.

The rule that decides everything for a founder is “No self-promoting.”. It says any and every post promoting a business, in any capacity, gets removed and earns an instant permanent ban, with no exceptions. “No spamming.” repeats the same warning for blatant self-promotion. “No job posting or recruiting allowed at this time.” bans job posts and recruiting, and it says any mention of DM will be viewed as an attempt to recruit and will result in a ban. “No posts about tech you’re trying to build.” removes posts that look like you are gathering information to build technology, which matters if you are a founder researching the industry. “No rate shopping or personal mortgage advice posts.” and “No engaging in consumer posts” keep consumer style content out, and engaging with consumer posts brings a 7-day ban. “Where should I work?” discussion is to occur in the comments section of the Beginners Guide thread. and “Discussion relating to new licensing is to occur in the NMLS / New Licensing mega thread.” push those topics into dedicated megathreads. “Extended discussions relating to Rocket Mortgage are to take place in the megathread.” does the same for that topic. “No Doxing / Publically attacking individuals.” bans naming people to bad mouth them. “Be civil.” and “Don’t be rude to the moderators.” set the tone.

A good post here is a genuine question or story about working in mortgage and residential lending, written for peers. Ask how other loan officers handle a real part of the job, like pricing, pipelines, client communication, or industry changes. Share your own experience and invite others to share theirs. If your topic touches licensing, the NMLS exam, Rocket Mortgage, or where to work, put it in the megathread the moderators point to instead of making a new post. If you build tools for this industry, you can talk shop and learn from the room, but the moment a post looks like you are gathering information to build technology, it gets removed, so keep your questions about the work itself and not about your product plans.

Do not promote your business in any form, because “No self-promoting.” brings an instant permanent ban with no exceptions, and “No spamming.” adds another instant ban for the same behavior. Never ask anyone to DM you, because “No job posting or recruiting allowed at this time.” treats any mention of DMs as recruiting and gets you banned. Do not post rate shopping or personal mortgage advice questions, and do not reply to consumers asking for mortgage help, because “No engaging in consumer posts” earns a 7-day ban. Keep licensing talk in the megathread, keep Rocket Mortgage talk in its megathread, and put where should I work questions in the Beginners Guide thread comments. Do not post about tech you are trying to build. Do not name and criticize specific people, because “No Doxing / Publically attacking individuals.” covers that. Stay civil and polite to the moderators.

This is one of the strictest rooms I have written a guide for, and I respect it. A permanent ban for any promotion, no exceptions, plus a rule that treats a single mention of DMs as recruiting, tells you the moderators have been burned before and are not negotiating. The rule about posts gathering information to build technology is the one founders should read twice, because it means even a well disguised research post about your product idea gets pulled. My honest read is that the only safe play here is to show up as a professional who wants to learn, and leave your links at home.