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