In today’s mortgage landscape one thing is clear: if you produce the business you should be getting paid like it. Yet many branch managers and top producing loan officers are giving away a huge chunk of their revenue — often unknowingly — to corporate structures bloated with overhead, inefficiency and layers of non-producing managers.

Let’s Get to the Truth:
 Earning More BPS

If you’re not making at least 250 basis points (BPS) on conforming business and 325 BPS on government loans you are leaving money on the table — and handing a big chunk of your hard earned money to the company you work for.

The worst part? You’re doing it under the illusion that these “costs” are necessary to keep your branch competitive. In reality they’re doing the opposite: watering down your comp, inflating your rates and stifling your growth.

At MortgageRight, this outdated model is being replaced with one that puts control — and revenue — back in the hands of the producers who earn it.

The Math Doesn’t Lie. Let’s Look at the Numbers.

Most traditional mortgage companies build heavy margins into your rate sheet. Their retail pricing model typically adds 200 to 350 BPS or more per loan. Out of that you — the one doing the work — often see 100 to 200 BPS on your splits, sometimes even less depending on branch overhead and “support costs.”

So where’s the rest of that revenue going?

• Corporate salaries and executive bonuses
• Middle management layers that don’t produce loans
• Outdated systems and “support” teams you never use
• High-cost marketing services you didn’t ask for
• Rent for corporate space you never visit

In many cases you’re funding corporate bloat and getting nothing in return. And worse your clients are paying the price too — with higher rates, slower turn times and a less competitive experience.

Higher Margins Don’t Mean Higher Costs for Clients

One of the biggest myths in the mortgage world is that if you want to make more per deal your client has to pay more.

False. Why do your rates feel “stretched” under a traditional model? They are. Corporate builds in a margin before your comp plan is even considered. That leaves very little flexibility to offer competitive pricing without sacrificing your own pay.

With MortgageRight’s lean platform it’s different.

• No unnecessary overhead being skimmed off the top.
• You control your own margin and comp structure.
• Base rates are clean giving you more flexibility to price aggressively and earn more per loan.

When you eliminate the layers of management and unnecessary fees you can offer a better deal and make a better margin. It’s that simple.

At MortgageRight many branch partners are operating with premium pricing and taking home 250+ BPS on conforming loans and 325+ BPS on FHA, VA and USDA products.

The result?

• Clients get better rates
• Producers earn more
• Branches become more profitable and scalable

Why 250 BPS and 325 BPS Are the New Baseline

Let’s be honest — margins have tightened industry-wide. Volumes are down. Competition is up. But if you’re still producing consistently and growing your pipeline you should be reaping the rewards.
Here’s why 250 and 325 BPS should be your minimum:

You’re Doing the Work

You’re building the relationships. You’re sourcing the business. You’re managing the transaction and shepherding it to close. You’re the rainmaker — and in any business the rainmaker deserves a lion’s share of the reward.

You’re Running a Branch

You’re not just originating. You’re managing a team, overseeing expenses, recruiting and ensuring compliance. That’s not just a job — that’s a business. And businesses have to operate with sustainable profit margins to survive and grow.

You Deserve Long-Term Stability

Margins under 200 BPS leave no room for error. No room for investment. No room for marketing, team growth or weathering a slow month. Earning 250–325 BPS ensures you can build a more resilient, predictable and profitable business for the long haul.

Stop Overpaying the Company You Work For

Ask yourself: how much revenue is your branch generating each month?

Now ask: how much of that actually stays with you?

If you’re not keeping at least 65–70% of your gross branch revenue, you’re overpaying. You’re funding someone else’s bonuses and someone else’s infrastructure. And unless those overhead costs are directly contributing to your success — you’re wasting money.

MortgageRight offers a branch-centric model where your revenue is yours.

You have full control over:

• Your margin
• Your comp plans
• Your staffing
• Your expenses
• Your future

The result? You get to build the branch you want, on your terms, while keeping more of the income you generate.

Volume Solves Everything — When You Keep More of It

Here’s the hidden truth about profitability in the mortgage business: volume is only king when you’re paid properly.

If you’re pushing a bunch of loans a month through a traditional retail model, but only taking home 100–175 BPS, you’re leaving thousands (sometimes tens of thousands) on the table monthly. Multiply that by 12 months and you’re losing six figures annually — sometimes more — simply because of the platform you’re on.

Now imagine:

• Making 250–325 BPS consistently
• Keeping more of your volume
• Scaling your branch without asking for permission
• Retaining top LOs because you can pay them better
• Reinvesting in marketing and branding from actual profit

That’s not just success — that’s freedom. And that’s what MortgageRight was built to deliver.

More Margin = Better Pricing = Happy Clients

It may seem counterintuitive, but when you keep more of your revenue, you can actually price more competitively.

Traditional branch models keep margins bloated because they’re funding too many layers. That inflates pricing and limits your flexibility.

MortgageRight’s structure eliminates the fluff, allowing you to:

• Offer better rates without giving up your margin
• Win more deals in competitive markets
• Retain clients and grow through referrals
• Create long-term branch loyalty through better service and pricing

When your clients win, you win bigger. And that’s the kind of business that lasts.

Don’t Just Close Loans — Build a Legacy

If you’ve been in the business for years, you’ve seen the highs and the lows. You’ve ridden the refi booms and powered through rate hikes. But at some point, every top producer has to ask:> “Am I building something that lasts — or just feeding someone else’s system?”

MortgageRight gives you the platform to build something real:

• A branch with sustainable margins
• A loyal team that shares in the success
• A steady flow of happy clients and referral partners
• A long-term business you can grow — or even sell one day

Because when you finally start keeping what you earn, you stop surviving and start scaling.

Final Thought: You Earned It — Now Keep It

You’ve put in the time. You’ve built your book. You’ve stayed consistent, even when the market made it hard.

You’ve earned the right to make 250 BPS on conforming loans and 325 BPS on government deals.
If you’re not, ask yourself why.

• Is your current platform helping you grow — or holding you back?
• Are your clients truly getting the best deal — or just paying for layers of overhead?
• Are you building your business — or someone else’s?

At MortgageRight you can break free from bloated models and finally operate on a level playing field — where great producers win, and great branches thrive.

You bring the business. You make the deals happen. Now it’s time to be paid like it.

Ready to keep more of what you earn and offer your clients better deals?
 Schedule a confidential discovery call to see how much more your branch could be making.