A true P&L branch is a fully autonomous mortgage operation where the branch keeps the revenue it generates and pays its own expenses. MortgageRight offers one of the industry’s only authentic, regulatory-compliant P&L models—not a “net branch” structure disguised as one. You control revenue, expenses, margins, and team compensation while MortgageRight provides licensing, compliance, underwriting, tech, and funding. You operate like a fully backed independent mortgage company without the overhead or risk.

Most branch managers earn 2–3x more in a P&L model vs retail. Retail typically caps income around 50–125 bps. MortgageRight P&L branches often retain 275–325+ bps, depending on pricing strategy and operational efficiency. The more efficiently you operate, the more you keep — with no revenue caps.

MortgageRight is not a lead-gen company, not a broker network, and not a net-branch with hidden margin overlays. What makes it different:

• True Banker pricing with no baked-in spreads
• No heavy corporate rate padding
• No revenue caps
• Dedicated underwriting
• National licensing footprint
• Banker, broker & correspondent channels in one platform
• Full transparency into your revenue and expenses
• Real P&L autonomy

This is a real business ownership model, not a disguised retail platform.

Typically:

• Branch managers producing at least $1.5M+ monthly
• Retail LOs who want higher comp
• Brokers wanting a banker advantage
• Producing team leads
• Regional managers seeking to build multiple teams

If someone wants control, autonomy, lower rates, and unlimited income growth — they’re a fit.

Most branches launch in 2–3 weeks, depending on licensing states, staffing, and pipeline transition. MortgageRight provides a white-glove onboarding team, vendor setup, tech stack implementation, and LO onboarding to ensure a smooth, fast transition.

Managers determine LO comp based on their own profitability goals. Most branches pay:

• Loan officer comp –you decide what best
• Manager override: flexible no cap
• Branch margin: determined by the branch, not the lender

MortgageRight does not dictate LO comp — you do.

Most MortgageRight branches keep 275–325 bps+, depending on margin strategy. Many retail lenders force managers into margins of 250–400 bps, making them uncompetitive. MortgageRight’s low corporate costs mean you keep more while offering better pricing.

Most branches are profitable at $1.5M+ per month, depending on payroll choices. Many exceed profitability even sooner due to MortgageRight’s extremely low corporate overhead structure.

Included:

• Underwriting
• Compliance
• Funding
• Secondary
• Accounting
• Corporate technology
  Customizable:
• LO compensation
• Processor salaries
• Office expenses
• Lead generation
• Marketing
• Local technology

You design your business. MortgageRight provides the infrastructure.

MortgageRight has one of the leanest corporate structures in the country, allowing pricing without retail overlays, massive corporate margins, or huge executive compensation layers. Branches benefit from:

• Lower corporate margin
• Aggressive banker pricing
• Better execution
• Faster secondary decisions

This means better rates for borrowers and higher comp for producers.

MortgageRight delivers enterprise-level infrastructure:

• Centralized processing (optional)
• Dedicated underwriting
• Investor relations
• Compliance
• Closing & post-closing
• Secondary/pricing desk
• Tech stack & integrations
• QC, HMDA, fair lending

You focus on production — they handle the heavy lifting.

MortgageRight uses a hybrid model with both dedicated and specialized underwriters depending on volume. High-producing branches typically receive semi-dedicated resources, ensuring faster turn times and consistent loan decisions.

The tech stack includes:

• nCino / SimpleNexus digital mortgage suite
• Optimal Blue pricing engine
• Encompass LOS
• Regorra appraisal management
• Ocrolus AI for document automation
• AMB Sierra real-time P&L dashboards

Branches get enterprise-grade tools without enterprise costs.

Typical turn times:

• Initial underwrite: 24–48 hours
• Conditions: 24 hours
• CTC: Often in 17 days or less

Many branches advertise “fastest turn times in the industry” due to the underwriting consistency and low corporate friction.

MortgageRight provides marketing assets and specifically offers:

• CRM
• Website
• Proven marketing campaigns
• Digital mortgage platform
• Email & text automation 
• Inhouse recruiting services

Managers also receive guidance for scaling lead flow and growing their local presence.

You get access to:

• Conventional, FHA, VA, USDA
• Jumbo programs
• Non-QM
• DSCR investor loans
• Renovation products
• Reverse
• HELOCs
• Broker channel (optional)
• Correspondent lending

Few platforms offer all three channels under one roof.

Yes. MortgageRight is licensed in most of the United States, allowing LOs and branches to originate nationwide under the company’s existing licensing footprint. You can grow across multiple states without opening additional entities or obtaining new licenses.

Absolutely. The platform supports a full suite of products, including:

• DSCR and investor cash-flow programs
• Bank statement loans
• Asset-depletion loans
• Construction
• Non-warrantable condo programs
• FHA 203(k) and Homestyle renovation
• Agency and investor jumbo options

This allows branches to diversify revenue beyond conventional lending.

MortgageRight is one of the very few platforms that is not a net-branch.
Key differences:

• Full corporate control of compliance (net branches lack this)
• Corporate handles all risk, funding, and underwriting
• Branches do not operate under independent company names
• Branch managers have no commingled funds or regulatory liabilities

It’s a compliant, corporate-backed P&L model, not a shared-revenue model dressed up as ownership.

Compliance is fully centralized:

• Pre-funding QC
• HMDA reporting
• State-level audits
• Federal oversight
• Ongoing NMLS monitoring
• In-house legal review
• Automated compliance tech stack

Branches benefit from corporate compliance protection without losing flexibility.

Common risks include:

• Overpaying LOs
• Overspending on marketing
• Unprofitable processors
• Poor margin discipline
• Ineffective business development

MortgageRight mitigates these risks with:

• Real-time P&L dashboards
• Corporate finance oversight
• Secondary/pricing guidance
• Production coaching
• Recruiting support
• Aggressive pricing and margins

You run your branch, but you’re not running it alone.

Yes. Many branch managers build multi-state teams and even multiple sub-branches. You can structure comp, build regions, and scale as far as your production allows. There are no caps on team size.

MortgageRight supports growth with:

• Lower rates that increase conversion
• Competitive comp that attracts LOs
• National licensing so you can hire anywhere
• Multi-channel lending to win more loans
• Recruiting funnels and marketing playbooks
• Scalable operations and underwriting

You can grow from a producing branch to a full regional mortgage platform.

Yes. Most teams bring:

• LO staff
• Processors
• Loan pipelines
• Lead sources
• Referral partners

MortgageRight’s onboarding team helps transition active pipelines with minimal disruption.

Onboarding typically includes:

1. Initial consultation with Alvaro Moreira or Mike Russo
2. Pricing, comp and margin planning
3. P&L setup & projections
4. Licensing & compliance review
5. Tech stack activation
6. Team onboarding
7. Live in production in as little as 2–3 weeks

Next step: schedule a discovery call to receive a customized P&L model, margin analysis, and comp strategy.