It means you keep the full commission earned on each loan, minus a small flat transaction/admin fee. There are no caps, splits, or percentage cuts taken out of your hard-earned income.

Yes, we operate on a simple, transparent structure: a flat per-loan admin fee and low monthly fees to cover your tech-stack, compliance, and processing systems. These costs are far lower than the amount lost in typical commission splits.

While experienced Loan Officers often see the most immediate benefit, newer originators also benefit by keeping more of their commissions from the start. Plus, our training programs and mentoring help you ramp up quickly.

At Standard Mortgage, we primarily use the ARIVE web-based Loan Origination System, which gives originators access from any internet-enabled device and provides borrowers with a dynamic point-of-sale portal for applications, document uploads, eSign disclosures, automated pre-qual letters, and more. While ARIVE is our preferred platform, originators are also free to use any LOS they are familiar with.

Payroll deposits are issued every Friday. Our payroll period runs from Thursday through Wednesday, and once funds are received by wire on Wednesday, your deposit will be processed and paid that same Friday.

At Standard Mortgage, loan originators, where permitted, have the opportunity to operate and be compensated as 1099 independent contractors. This structure allows originators the freedom to set their own schedules, choose how they generate business, select the types of loans they wish to originate, and determine the lenders and investors they prefer to work with. While enjoying this independence, originators are still required to adhere to all federal and state regulatory and compliance standards. As 1099 contractors, they also benefit from greater flexibility in deducting business-related expenses.

Yes. Standard Mortgage provides in-house processing as well as access to an extensive network of company-approved third-party contract processors, ensuring ample capacity to efficiently handle your loans. Processors are compensated only when a loan closes, which drives responsiveness, efficiency, and timely results. Processing fees typically range from $600 to $1,400, depending on the level of service requested, and in most cases, these fees are paid directly by the consumer as a third-party expense.
 
 
 

Standard Mortgage is currently operating as a mortgage broker, giving our originators and borrowers access to a network of over 100 wholesale lenders, with new partnerships continually being added. Looking ahead, we have strategic plans to expand into becoming a correspondent lender, further enhancing our ability to provide competitive products, pricing, and flexibility to meet the diverse needs of our clients.

At Standard Mortgage, our interest rates are highly competitive because we work directly with wholesale lenders who provide true wholesale pricing. In addition, many of our lending partners offer incentive pricing, allowing us to pass those savings along to our borrowers. This approach ensures we consistently keep rates as low as possible while delivering exceptional value.

Each originator at Standard Mortgage will have an account created through our credit reporting agency, XACTUS. This platform provides a convenient point-of-sale portal where borrowers can authorize and pay for their own credit reports while receiving a copy for their records. This process eliminates credit report expenses for originators and streamlines access to consumer tri-merged reports, which can be quickly retrieved into the LOS with just a click of a button.

Standard Mortgage provides comprehensive marketing support to help originators grow their business. Our management team reviews marketing materials for compliance and offers enhancement suggestions to maximize impact. Most of our wholesale lenders and investors supply free CRM tools and brandable resources such as emails, flyers, and social media content, all at no cost to the loan originator. In addition, Standard Mortgage creates and posts original social media content directly to MLO accounts at no additional charge. For even more options, our Pro Shop offers a wide range of professional marketing products available for purchase.