Mortgage Net Branch FAQs

A mortgage net branch is a structure where an experienced loan officer or branch manager operates under an established lending platform with a 100% commission model. You earn the full revenue from each loan minus transparent platform costs for compliance, technology, and processing support. Unlike retail, where your compensation is capped by a fixed basis point split, a net branch gives you direct control over your income.

Our net branch model works best for producing loan officers closing 10+ units per quarter, branch managers ready to control their own P&L, and small mortgage teams looking for higher compensation and broader product access. You should have at least 2 years of origination experience and an established referral network. If you’re new to mortgage or still building your pipeline, retail may be a better starting point.

Schedule a confidential consultation where we review your production history, goals, and the specific economics of a net branch for your volume level. If it’s a mutual fit, you complete an associate agreement, and our 7-day onboarding program gets you operational in in as little as 7 days.

Our 7-day onboarding program typically gets you from signed agreement to first loan submission in in as little as 7 days. This includes background check, technology setup (LOS access, pricing engine, CRM), compliance training, lender access activation, and product orientation.

Startup costs are minimal compared to opening an independent brokerage. There is a modest monthly technology fee and standard processing costs. There is no large upfront investment required. All costs are reviewed transparently during your consultation — no surprises.

No. You operate under our established lending platform’s license. You need an active Mortgage Loan Originator (MLO) license in each state where you plan to originate. We provide licensing support and access to discounted continuing education through our Compliance Support program.

Most producing loan officers earn 40-60% more per file under a net branch structure compared to traditional retail splits. On 15 units per month at $350,000 average loan amount, the difference between a 65 bps retail split and net branch economics can be $20,000+ per month — or $240,000+ annually. Use our Income Calculator to see your specific numbers.

You set your own margins on each loan. The revenue from your pricing goes to your branch, minus transparent platform costs (technology, compliance, processing). You keep 100% of the difference. Our Clear P&L gives you 24/7 visibility into every dollar — what you earned, what the costs were, and what you took home.

Commissions are paid on a regular schedule — pay periods run 1st-15th and 16th-31st. Direct deposit is available and encouraged. Compensation structure (1099 vs W-2) depends on state requirements and loan type, and is reviewed during onboarding.

Platform costs are transparent and competitive: a modest monthly technology fee, per-file processing costs, and compliance overhead managed by the platform. There are no hidden fees. We review the complete cost structure during your consultation so you can model your exact economics before committing.

The net branch model scales with your production. In slower months, your variable costs are lower. There are no minimum volume penalties that would put you in the red. We do require an average of 10 units per quarter to maintain active status, reviewed quarterly.

Yes — we require an average of 10 units per quarter. This is reviewed quarterly, and we look at the trend, not just a single slow month. Proof of previous production (funded pipeline reports, W-2s, 1099s) is required with your application.

Through our Banker & Broker network of 200+ lenders, you have access to: conventional and conforming, FHA, VA, USDA, jumbo and high-balance, DSCR investor loans, bank statement and non-QM programs, and commercial/mixed-use financing. You can price shop across the entire market in real time to find the best rate and program for every borrower.

We provide Banker & Broker access to 200+ lenders through our network. This gives you the ability to serve virtually every borrower scenario — from straightforward conventional purchases to complex DSCR investor deals and non-QM self-employed borrowers.

Yes. We are nationally FHA and VA approved, meaning you can originate government loans in all states where we are licensed.

You may choose your own title, escrow, and appraisal providers from our approved vendor list. Credit reports are processed through our designated provider for compliance consistency.

Yes. Our Virtual Branch Platform model allows you to operate remotely from anywhere in your licensed states. No office lease required. You maintain full lending authority and operational support whether you work from a home office, co-working space, or traditional office. Many of our highest-producing associates operate entirely virtually.

We provide access to a web-based loan origination system (LOS), pricing engine for real-time rate shopping across 200+ lenders, and CRM tools. You need basic scanning capability and the ability to work with electronic document packages. Technology fees are included in your modest monthly platform cost.

Yes. We have an experienced Processing Center with qualified processors (5+ years experience each). You can use our processing team or bring your own processor — the choice is yours based on how you want to run your branch.

Our Compliance Support program handles regulatory compliance, state licensing maintenance, audit preparation, and documentation standards. You operate under our established lending platform, so you don’t need to manage compliance infrastructure yourself. We handle it so you can focus on originating.

Yes. Our Clear P&L gives you 24/7 access to your branch financials — every fee, every cost, every margin, on every file. Complete transparency with no hidden charges. You control your profitability because you can see exactly how your branch performs.

Yes. You can bring loan officers, processors, and support staff under your net branch. Many branch managers transition entire teams for a coordinated launch. Each team member goes through their own streamlined onboarding via 7-Day Onboarding.

Your existing pipeline can transfer with you. Our 7-day onboarding is designed for zero production downtime — you can submit loans within days of completing setup. Your referral partners follow your license and relationships, not your previous company’s name.

Your borrowers see your name and your brand. The transition is seamless for clients and referral partners. You continue operating as you always have — just with better economics, more products, and greater control.

We believe in earning your partnership through value, not legal restrictions. Specific terms are discussed during your confidential consultation.

Yes — in states that allow dual licensing (including California and Colorado), you may hold both a real estate sales license and a mortgage originator license simultaneously.

We currently support mortgage net branch operations in California, Texas, Washington, Oregon, Colorado, Virginia, and Idaho. We are licensed for commercial loans nationwide. Contact us if you’re licensed in a state not listed — we may be expanding.

Yes. If you hold MLO licenses in multiple states where we operate, you can originate across all of them under your net branch. Our Compliance Support program helps manage multi-state compliance requirements.

Yes. We provide licensing support and access to discounted continuing education through our training partners. If you want to expand into a new state where we’re licensed, we can guide you through the licensing process.