Small Market, Big Wins: When It Makes Sense to Hire a Recruiter in a Limited Territory
Release Date: 11/11/2025
Recruiting Conversations
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What if you’ve already talked to every LO in your market? What if the pool feels saturated, picked over, or just plain stuck? In this episode of Recruiting Conversations, I’ll show you how to shift your mindset, redefine your opportunity, and build a rhythm that creates traction—even when your list is short. Whether you're in a small town or a crowded metro, this strategy will help you go deeper, not just wider. Episode Breakdown [00:00] Introduction – When your market feels small, what do you do? The answer isn’t volume. It’s clarity [01:00] You’re Not Stuck. You’re Just...
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What if your entire market has fewer than 100 LOs? Is hiring a recruiter still worth it? In this episode of Recruiting Conversations, I walk through the exact framework for determining whether a recruiter is the right move in a small market. I cover the systems, mindset, math, and sequencing that make it work, and share a real-world story of one leader who turned 85 LOs into 9 hires in 12 months. This isn’t about headcount. It’s about mastery, clarity, and building a system that multiplies your time. Episode Breakdown [00:00] The Question – Is it worth hiring a recruiter if I only...
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info_outlineWhat if your entire market has fewer than 100 LOs? Is hiring a recruiter still worth it? In this episode of Recruiting Conversations, I walk through the exact framework for determining whether a recruiter is the right move in a small market. I cover the systems, mindset, math, and sequencing that make it work, and share a real-world story of one leader who turned 85 LOs into 9 hires in 12 months.
This isn’t about headcount. It’s about mastery, clarity, and building a system that multiplies your time.
Episode Breakdown
[00:00] The Question – Is it worth hiring a recruiter if I only have 70 to 100 loan officers in my area?
[01:00] Why Market Size Is the Wrong Lens – It’s not how many LOs exist, it’s how many are aligned and how strong your system is
[02:00] Visibility vs. True Recruiting – Reaching out once is not recruiting. You need consistent, structured engagement
[02:30] Real Story: Midwest Leader With 85 LOs – After mapping the market, he realized very few LOs had received consistent value or follow-up
[03:30] Question 1: Is Recruiting a Top 3 Priority? – If not, a recruiter becomes an admin, not a multiplier
[04:00] Question 2: Do You Have a System? – CRM, avatar, cadence, scripting, follow-up, all must be in place before hiring
[04:45] Question 3: Are You Recruiting for Fit or Volume? – In small markets, alignment is more important than raw production
[05:20] Question 4: Can You Tell a Clear Story? – If your recruiter can't communicate your value clearly, you’ll lose to comp-focused competitors
[06:00] The Math That Makes It Work
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3 key hires = $60K/month revenue
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$720K annually
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More than enough to justify the hire
[06:30] What a Recruiter Should Be – Not a cold caller, but a connector who runs value plays and books warm calls
[07:00] When to Delay the Hire – If your system is messy or undefined, wait. Build first. Then hire
[07:30] Real Results – The Midwest leader built a system first, hired a recruiter second, and scaled to 9 hires in a “too small” market
[08:00] Action Steps
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Build a clean LO list
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Document your recruiting message
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Create a 90-day value-add follow-up plan
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Prove it works
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Hire a recruiter to run the top of funnel
[09:30] Closing Thought – You don’t need more market. You need more mastery. Strategy wins, not size
Key Takeaways
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It’s Not About Market Size. It’s About Market Mastery – A recruiter in a small market works if the system is already built
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Recruiting Must Be a Top Priority – No hire can replace your ownership of the vision
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Build First, Hire Second – Document your message, process, and rhythms before bringing someone in
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Focus on Alignment Over Volume – In a small market, values and vision matter more than raw numbers
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Your Story Wins the Game – When your message is clear, your recruiter becomes a magnet, not a salesperson
A small market doesn't limit your impact. Lack of clarity does. Build the system. Then scale it with the right partner.
Want help building your recruiting system so a recruiter can multiply it? Subscribe to my weekly email at 4crecruiting.com or book a strategy session at bookrichardnow.com. Let’s help you win in any market no matter if it's big or small.