How much is your current mortgage platform costing you?
Use this private calculator to compare how different lending models may impact your compensation, pricing flexibility, product access, and borrower competitiveness.
This tool is educational only. No obligation. Your information is kept private.
Run Your Numbers
Enter a few basic details about your current production and compensation. The calculator will estimate how your current lending model compares to a flat-fee broker platform.
Based on our experience comparing retail and wholesale pricing over many years, we've commonly observed wholesale (broker) par rates to be approximately 25–50 basis points more competitive than comparable retail offerings. In many cases, flat-fee broker platforms also provide loan officers with the opportunity to earn 35% to 100% more compensation per funded loan, depending on the lender, compensation structure, and loan scenario.
Your results are estimates intended for educational purposes and may vary based on your current platform, market conditions, loan mix, and individual compensation plan.
Live Estimate
USD / Monthly
Monthly Units Closed4
Average Loan Size$450,000
Current Comp Plan (BPS)120 bps
Current monthly net$0
Estimated broker-model net$0
Estimated Monthly Difference
+$0
vs. your current platform
Projected annual difference+$0
Figures are estimates for illustration only and do not constitute a guarantee of compensation.
Why Retail LOs Are Evaluating the Broker Model
The mortgage market has changed. Borrowers are shopping more aggressively, margins are under pressure, and loan officers are being forced to compete in ways that traditional retail platforms were not always designed for.
Many experienced loan officers are now asking:
Compensation
Compensation Impact
How much income may be left in the retail model versus retained by you? Am I being paid fairly for the revenue I create?
Pricing
Pricing Competitiveness
Whether your current structure may be making it harder to win rate-sensitive borrowers?
Product
Product Flexibility
How access to multiple wholesale lenders could expand options for your clients? Could a different platform help me serve clients better?
Control
Business Control
How much freedom you have over pricing, process, marketing, and long-term business ownership. Do I really control my brand and business?
This calculator is designed to help you start that analysis.
If your results raised questions, Kirk Redding, President of Promise Home Loans, can walk through them with you privately and explain how the broker model works in real-world terms.
This would be a practical conversation about your current business model, your goals, and whether a different platform could solve problems you may be facing.
Talk through your results privately
A short, no-pressure conversation about your numbers, your goals, and whether the broker model fits your business.
Promise Home Loans helps experienced loan officers understand and operate within the broker channel while maintaining support, compliance structure, lender access, and business flexibility.
