I cold called my first couple of years too

. The way I went about doing it, you are right is not going to work for everyone. You have to work what works with your personality. I agree with everything you are saying! Making a name for yourself within your community is an absolute must, then expand out. I vary rarely lend outside of my state(s) Oregon/Washington. When I do it is for clients from my area.
This post isn't about either of us, but I have learned using ones own experiences will help others when they are trying to find the best way to break into this business.
When I do "sales calls" and I still do to this day. It is not to ask for biz right off the bat. It is to inform them of how I can assist them in growing there business, adding 1 extra deal a month in there own personal pipelines (agents)
or getting 1 extra buyer to build a custom home, or assisting them in upselling to better amenities for the home. It will help you get your name out in the community as well.
I am not just taking from them.. THAT DOESN"T WORK. I give a great deal in return. That is what I may have left out of my original post.
Everything you are doing with your current clients and rate shoppers is perfect. I am just trying to add to it with additional means to acqurie new business. Yes I have had alot of time to build referral relationships and they come and go. It is a constant process.
I agree not every LO will hit the ground running. But they can! It's only our own mindset that stops us. He who believes, achieves! Harder said then done, and I speak from personal experience.
As far as your quote, I wasn't referring to just the money. I truly believe the ones that are Successful are successful in life first, everything else just comes along with it.
To your success, all of you!!!