45 | 3 Secrets to Scaling Your Mortgage Business: How Oleg Tkach Built a $250M Machine

Winning at the highest level isn’t magic — it’s mechanics, discipline, and the courage to scale beyond your comfort zone. Hey there, Rainmakers! Today I’m sitting down with a good friend, a fierce competitor, and one of the most consistent producers in the entire mortgage industry — Oleg Tkach. He’s pacing $250M this year, but what’s even more impressive is how he’s doing it: 30 hours a week, a locked-in routine, and a team engineered for capacity, leverage, and simplicity. In this conversation, Oleg breaks down the exact mindset and systems that took him from $150M to $250M — and why most loan officers stay stuck long after they have the talent to grow. We talk about the truth behind “being locked in,” the real way elite producers win with agents, and how programming—not relationships—is the key to dominating in tough markets. If you've ever wanted to understand what separates a good LO from a generational one… this is the episode. Key Insights Being locked in starts with your emotional health, routine, and discipline. Capacity determines your ceiling — not desire, not effort. Agents don’t want friends; they want solutions to predictable problems. Your income is capped by the size of your audience, not the depth of your relationships. A tough market is the test that reveals whether your strategy is real or fluff. Guest Links NFM Lending: https://nfmlending.com/loanoriginator/oleg-tkach/ Oleg on LinkedIn: https://www.linkedin.com/in/oleg-tkach-1905b820/ Oleg on YouTube: https://www.youtube.com/@olegtkachlending Are you ready to make it rain? Let’s do this! If you liked what you heard, leave me a five-star review and tell me what hit home for you! PLUS—if you’re ready to stop drifting and start driving your results, join me on December 10th for Your Best Year Ever , a 90-minute live virtual event designed for loan officers who are done with good intentions and ready for real results. This isn’t a pep talk—it’s a strategy session. We’ll uncover what’s holding you back, realign your mindset, and map out a plan that actually sticks. Make 2026 the year everything clicks. Save your seat now at shaylagifford.com . Connect with Shayla: Shayla on Instagram: https://www.instagram.com/shaygiff/ Shayla on LinkedIn: https://www.linkedin.com/in/shayla-gifford-3019396/ Show Links: Shayla's Website: https://shaylagifford.com/ The Mortgage Rainmaker Podcast: https://shaylagifford.com/podcast/ The Catalyst Coaching Community: https://shaylagifford.com/catalyst/ Guild Mortgage: https://www.guildmortgage.com/