Two minutes · Your numbers · Nothing sent until you say so

See what your production could be worth.

Put in what you closed last year and how you're paid today. Then look at the same loans through the wholesale channel, after every cost you tell it about. Change any number. It's your math.

Illustration, not a promise. The wholesale-side numbers start as examples so the page isn't blank. Replace them with your own. Real broker comp depends on the loan, the lender, the company plan you sign and the pricing you choose to give your borrower.

Retail Loan OfficerHow you're paid today Annual funded volume ($) Average loan size ($)

Your comp (BPS)100 BPS = 1% of the loan Taken off your check (%)Splits, desk fees, chargebacks

Wholesale LenderExample assumptions. Change every one of them.

Broker comp you'd set (BPS)Example only BPS you give back to the borrowerTo sharpen the rate and win the deal

Company split (%)Whatever the plan you'd sign takes Per-loan fees ($)Processing, compliance, tech

Your yearly costs ($)Marketing, CRM, plus the benefits and payroll taxes a W-2 job used to cover

Same loans. Two paychecks.

Your side by side

0 loans

Retail Loan Officer $0

Wholesale Lender $0

Retail, per loan$0

Wholesale, per loan, after costs$0

Costs you entered (split, fees, yearly)$0

Illustrated difference per year$0

Before taxes. Assumes the same production every year. As a 1099 earner you pay your own self-employment taxes and benefits; that's why the yearly-costs box is there. Not a quote, an offer of employment or a promise of compensation.

Get your real numbers

Start My Comparison

The Freedom Equation: your personalized mortgage business comparison, with the full program breakdown. Or send these numbers to KT.

Rather talk it through with KT?

Now let's do it with your real loans.

A calculator is a napkin. I'll take your actual closed loans and price them both ways, so you're looking at your own numbers, not mine.

Call one: your numbers and your goals.Volume, costs, and what's on your vision board.
Call two: the side by side.Your loans, priced both ways. Then you decide. A yes or a no.