Tired of Capped Commissions and Limited Products?
You close the deals. You manage the relationships. But your compensation doesn’t reflect your production.
Net Branch Nationwide gives experienced mortgage professionals what retail can’t — 100% commission structures, access to 200+ wholesale lenders, dual Banking & Broker channel access, and the freedom to run your branch your way.
Average net branch originators earn 40-60% more per file than retail LOs on the same volume.
Retail vs. Net Branch: See the Difference
Same loan officer. Same production. Dramatically different income.
| Traditional Retail | Net Branch Nationwide | |
|---|---|---|
| Commission Structure | 50-75 bps split | 100% commission — set your own margins |
| Monthly Income (20 units) | $15,000 – $22,000 | $30,000 – $45,000+ |
| Lender Access | 1 lender, limited products | Banker & Broker access to 200+ lenders |
| Products Available | Conventional, FHA, VA | Conv, FHA, VA, USDA, Jumbo, DSCR, Non-QM, Commercial |
| P&L Visibility | None | 24/7 Clear P&L dashboard access |
| Compliance | Company-managed | Full compliance support included |
| Location | Office required | Virtual branch — work from anywhere |
| Onboarding | 2-4 weeks | As little as 7 days |
| Marketing | Generic corporate | Custom brand and marketing support |
The Net Branch Nationwide Platform
Everything you need to run a profitable mortgage operation — nothing you don’t.
Compliance Support
Full compliance oversight under our established lending platform. State licensing support, regulatory monitoring, and audit-ready documentation — so you focus on originating, not paperwork.
Virtual Branch Platform
Operate your virtual mortgage branch from anywhere in your licensed states. No office lease required. Full lending authority and operational support, wherever you are.
7-Day Onboarding
From signed agreement to first funded loan in as little as 7 days. Technology setup, compliance training, lender access, and product orientation — all handled for you.
200+ Lender Network
Access to 200+ wholesale lenders and every product type: conventional, FHA, VA, USDA, jumbo, DSCR, bank statement, non-QM, and commercial. Dual Banking & Broker channel access means you price shop across the entire market in real time — close deals through whichever channel offers the best execution.
Clear P&L Dashboard
Access to your branch financials. Every fee, every cost, every margin — visible. No surprises, no hidden charges.
Marketing Support
Custom marketing support to build your personal brand. Co-branded materials, digital marketing guidance, and lead generation strategies tailored to your market.
By the Numbers
Is This Right for You?
Our net branch model works best for mortgage professionals who are:
- Closing 10+ units per quarter consistently
- Frustrated with capped compensation at retail shops
- Ready to control their own P&L and margins
- Looking for broader product access (DSCR, non-QM, jumbo)
- Wanting to build and scale a team under their leadership
- Interested in virtual/remote mortgage operations
Not sure if you qualify? No commitment required — schedule a confidential call and we’ll walk through the numbers together.
Frequently Asked Questions
A mortgage net branch is a structure in which an experienced loan officer or branch manager operates under an established platform with a 100% commission model. You control your production income while receiving full compliance, technology, and operational support.
Producing loan officers closing 10+ units per quarter, branch managers ready to control their own P&L, and small teams who want higher compensation and access to 200+ wholesale lenders across every product type.
Yes — our virtual branch platform allows you to operate remotely from anywhere in your licensed states with full lending authority. Many of our associates run high-volume operations from home offices across California, Texas, Washington, Oregon, Colorado, Virginia, and Idaho.
Through our network of 200+ wholesale lenders, you have access to conventional, FHA, VA, USDA, jumbo, DSCR, bank statement, non-QM, and commercial products. You price shop across the market to find the best rate and program for every borrower.
Most producing loan officers earn 40-60% more per file under a net branch structure compared to traditional retail splits. On 20 units per month, that difference can mean $10,000-$20,000+ in additional monthly income. Use our income calculator to see your specific numbers.
Our 7-day onboarding program gets you from signed agreement to first funded loan in as little as one week. This includes technology setup, compliance training, lender access, and product orientation.
Mortgage Net Branch Opportunities by State
We currently support experienced mortgage professionals in the following states:
- Mortgage Net Branch California — Los Angeles, San Diego, Bay Area, Sacramento
- Mortgage Net Branch Texas — Houston, Dallas-Fort Worth, Austin, San Antonio
- Mortgage Net Branch Washington — Seattle, Tacoma, Bellevue, Spokane
- Mortgage Net Branch Oregon — Portland, Eugene, Salem, Bend
- Mortgage Net Branch Colorado — Denver, Colorado Springs, Fort Collins, Boulder
- Mortgage Net Branch Virginia — Northern Virginia, Richmond, Virginia Beach, Hampton Roads
- Mortgage Net Branch Idaho — Boise, Meridian, Nampa, Idaho Falls
Loan Products Available Through Our Platform
Through our network of 200+ wholesale lenders, our mortgage net branch associates have access to:
- Conventional and conforming loans
- FHA, VA, and USDA government programs
- Jumbo and high-balance products
- DSCR investor loans
- Non-QM and bank statement programs
- Commercial and mixed-use financing
Access to 200+ wholesale lenders means you can price shop across the market and close loans other shops can’t. Discuss your specific needs during your consultation.