HALEY ANNUSCHAT

With a passion for helping people that guides her every step of the way, Haley Annuschat helps her clients achieve their goal of homeownership with confidence and ease. Coming from a background in banking, Haley got her start in the mortgage industry in 2012. “I quickly discovered that I loved the business,” Haley recalls. “Since I started as a mortgage loan officer, I haven’t looked back!” Now, as Vice President/Mortgage Loans at Exchange Bank, Haley loves to be there for her clients and help them along the road to homeownership.

Haley specializes in conventional and government loans, including FHA, VA, HUD 184, and especially Rural Development loans. She has a deep connection to her local market, including strong relationships with both local REALTORS® and past clients. As a result, at least 80% of Haley’s referrals come from word of mouth. “I’ve found that if I take really good care of my customers, they tell their friends, their REALTORS®, and everybody else,” Haley says.

A true people person, Haley finds that nurturing those relationships comes naturally. “I focus on taking care of my customer,” she explains. “I return phone calls and I am always available to them—mornings, nights, and weekends. I’m there for them to ask any questions they have, because they might not have gone through the process before and have a lot of questions. I’m here to guide them through that.”

Haley enjoys helping each client find the unique solution that’s right for them. “I love putting the puzzle pieces together,” she says. “If I can’t get you qualified for this program, I may be able to get you qualified for that one, and what does that look like? I really enjoy having those conversations and building those relationships with my customers.”

Haley also emphasizes the relationship aspect in marketing herself to REALTORS®. She takes agents to coffee or lunch to get to know them before talking shop. “I want to get to know them and see if we’re going to be a good fit for them,” she says. “I’m very relationship-focused. I also give them an opportunity to try me out—send us a deal, and see how it works. Then we can talk about what worked for them and what didn’t, and that can help us fine-tune our process.”

Haley enjoys giving back to her community. She is involved with the Stillwater Chamber of Commerce, is a past chair of the Young Professionals board of directors, and was recognized as a Young Professional of the Year in 2022. Haley is also a Leader Under 40 winner. She is on the Habitat for Humanity committee of the Stillwater Board of REALTORS®. Haley and her husband also have a farm where they raise sheep for livestock and 4-H projects. When she’s not working or giving back, Haley loves to spend time with her four young children. Haley writes a blog, The Mortgage Momma, which is based on her experience as a mom of four sharing her knowledge of the mortgage industry and stories of raising a family in rural Oklahoma. “I enjoy giving followers a glimpse into my world of mortgage lending and my family,” Haley says.

Looking toward the future, Haley says, “I plan to continue to build and foster relationships, including with new REALTORS® coming into our area. I also want to continue taking care of our customer base and changing to fit their needs. I just love working with people, getting to know them and what makes them tick. Helping people is my passion.”