As mortgage rates begin their downward trend and millions of homeowners regain the ability to refinance, the industry is preparing for one of the largest refinance cycles since 2020–2021. History shows that once rates drop beneath key thresholds, refinance applications spike at massive volume — and the originators who are positioned with the right platform take the lion’s share of the market.

The question every top producer is asking right now:

“Am I ready to dominate the coming refi wave?”

If you’re stuck inside a retail margin box, dealing with slow underwriting, capped comp, or inconsistent pricing, the answer is probably no.

MortgageRight’s True P&L Branch Model is built for exactly this moment — giving high-performing LOs and branch managers the autonomy, pricing power, and revenue model they need to capitalize on a refinance surge.

Why the Refinance Wave Will Create Massive Opportunity

Refinance booms reward:

• Better pricing
• Lower fees
• Speed
• Automation
• Brand control
• Efficient lead funnels

Borrowers become extremely rate-sensitive. Conversion hinges on being fast, sharp, and competitive.
MortgageRight’s platform is engineered for this exact type of environment. With lower corporate overhead, dedicated underwriting, and a streamlined operational core, branches can offer:

• Faster approval timelines
• More aggressive pricing
• Higher payouts
• Faster scaling during volume spikes

This combination sets MortgageRight apart from retail banks, IMBs, and brokerages that rely on bloated cost structures and restrictive compensation models.

MortgageRight’s True P&L Branch Model: Freedom, Profitability, and Scale

The MortgageRight branch platform gives you something most lenders promise — but don’t actually deliver:

Real ownership.
Real autonomy.

Real revenue control.

Here’s what makes it different.

Lower Rates & Margin Control

MortgageRight branches operate with:

• Lower cost of funds
• Thinner corporate margins
• No unnecessary overlays
• No pricing handcuffs

You decide how aggressively you price — not corporate. During a refi wave, this is the difference between winning 80% of rate-shopper deals vs losing them.

Full Control of Marketing, Branding, and Growth

You are not forced into a corporate marketing template. You control:

• Branding
• Lead funnels
• Advertising
• Referral partnerships
• Market expansion
• Hiring

It’s your business, powered by MortgageRight’s infrastructure. No retail bureaucracy. No corporate “approvals.” No limitations.

Earn 2–3X More Than Retail

Traditional retail models cap LOs and branches at 100–125 bps.
MortgageRight branches typically net 200–275 bps (and often higher during refi cycles). This is why branches double — or triple — their annual take-home.

No Revenue Caps. No Restrictions. No Games.

MortgageRight does not limit:

• Branch revenue
• Team size
• Market expansion
• Production volume
• Margin strategy

You run a real business with real financial upside — something retail lenders can’t offer.

Dedicated Underwriters & Lightning-Fast Turn Times

Every branch gets:

• True dedicated underwriters
• Faster underwriting cycles
• Cooperative, proactive communication
• Smoother closings
• Higher pull-through

Refinance booms reward speed, and MortgageRight’s system is designed to operate fast even when volume surges.

Check Out Ben Phillips Story About Making the Move to MortgageRight

Real Numbers Comparison — Retail vs MortgageRight

Below is a realistic, conservative comparison using $5 million in funded volume per month — perfect for a strong LO, a small team, or a developing branch.

Traditional Retail Model (100–125 bps Comp)

LO Take-Home: ~$55,000/month
Annual Income: ~$660,000

Corporate keeps the margin you generate.

MortgageRight True P&L Branch Model (Your Business, Your Margin)

Gross Revenue @ 275 bps: $137,500
Hard Costs: ~$15,000
Net Branch Income: $122,500/month
Annual Net Income: $1,470,000

A Side-by-Side Comparison

Model	Monthly Take Home	Annual Take Home
Retail	$55,000	$660,000
MortgageRight P&L	$122,500	$1,470,000

Difference: +$810,000 more per year
 on the exact same production volume.

Refi Boom Scenario at $5M/mo Volume

During refi surges, branches typically operate at higher margins due to:

• Better pull-through
• Higher unit count
• Lower marketing cost per funded loan

At 300 bps net, the numbers look like this:

• Monthly Net: $150,000
• Annual Net: $1.8M

This is the real earning potential when the refi wave hits.

Why Producers Are Moving Before Rates Drop

The top LOs and branch managers understand:

• You build the machine before the volume comes.
• You secure underwriting and pricing advantages early.
• You establish your funnels and systems now.
• When the refi surge hits, you scale fast — profitably.

MortgageRight gives you the autonomy and financial structure to maximize that surge.

Take Home More on Every Loan — Especially Refis

The next refinance wave will separate originators into two groups:

• Employees making retail comp, handing over their margin
• Business owners running P&L branches, keeping 2–3x the revenue

If you want real autonomy, real ownership, and real upside, MortgageRight’s platform delivers it.

MortgageRight Now Recruiting Top Producers Who Want to Own Their Market

MortgageRight is currently seeking:

• High-performing loan officers
• Existing branch managers
• Small teams wanting to scale
• Brokers frustrated with overlays or slow fulfillment
• Producers who want full business control

If you want to build your own branch, offer lower rates, and take home more revenue, now is the time.