Why we publish our splits
This is a confidential blueprint for licensed and aspiring mortgage agents considering Mortgage Squad Advisors (FSRA #13737). It exists because most brokerages keep their numbers vague until you are sitting across the desk. We do the opposite: our splits are published, tiered, and the same for everyone. There are no back-room negotiations and no special deals reserved for whoever asked the loudest.
Read it as a transparent map of how you get paid here, how the cost of the platform disappears as you grow, and how a serious producer can reach a 100% split. Every dollar figure shown later is illustrative and computed in the open so you can run your own numbers.
The 6-tier split table
Your split is set by your funded volume in a calendar year. As you produce more, you keep more. The tiers are fixed and public:
- Training - 60%: your starting tier while you ramp up and learn our systems.
- Growth (up to $10M) - 80%: the working tier for most newer agents building a pipeline.
- Advanced ($10M-$20M) - 85%: for agents with a steady, repeatable flow of deals.
- Elite ($20M-$30M) - 90%: serious full-time producers.
- Champion ($30M-$50M) - 95%: top-of-market performers.
- Legend ($50M+) - 100%: you keep the entire lender finder fee.
The same table applies to every agent in the brokerage. There is nothing to negotiate, because the schedule is the offer.
Volume bonus stacking
The tiers are designed to stack as your annual volume climbs. You do not stay frozen at your entry split for the year. As your funded volume crosses each threshold, your split moves up to match the tier you have reached.
In practice that means the back half of a strong year is paid out at a richer rate than the front half, because momentum pushes you into higher tiers. A producer who starts in Growth and finishes in Champion is paid across each band they pass through.
This is the core idea behind the blueprint: the better you do, the larger the share you keep, all the way to 100% at the Legend tier.
Monthly fee structure (and how it disappears)
There is exactly one $150/month platform fee. That is it. No desk fees. No franchise royalties. No surprise charges layered on top.
And the fee is built to vanish for producers. Once you fund $10M in volume (or 15 funded deals) in a calendar year, the platform fee is refunded in full. Hit the Growth-to-Advanced threshold and the cost of the platform effectively becomes zero for that year.
So the only ongoing cost is small, transparent, and self-eliminating the moment you become a meaningful producer.
Course reimbursement timing
If you are still becoming licensed, the cost of getting there should not be a wall. We reimburse your qualifying course cost, with reimbursement provided after 12 months with the brokerage.
The structure is intentional: it rewards agents who commit and build here, rather than treating the course as a one-time signing perk. Spend your first year producing, and the cost of entry comes back to you.
Exact eligibility and the qualifying course details come from the office, so confirm specifics with us before you enroll.
Profit-sharing eligibility
Beyond your split, there are two ways to share in the upside of the business itself. Both are profit-sharing programs, and they reward two different kinds of contribution:
The Growth Plan rewards team building - bringing in and developing other agents who go on to produce. The Performance Plan rewards your own production - what you personally fund.
We deliberately do not publish percentages here, because the details come from the office and are set out properly when you qualify. We would rather say nothing than quote a number we cannot stand behind. Ask us directly and we will walk you through current eligibility.
Example: $20M producer earnings (illustrative)
The numbers below are illustrative only. They are computed transparently so you can follow the math, and your actual commission will vary by lender, product, and term. We use a lender finder fee of roughly 100 bps (1.0%) of funded volume as the basis.
Take a producer who funds $20M in a year. Gross finder fees are $20M x 1.0% = $200,000. At the Elite ($20M-$30M) 90% split, the illustrative take-home on that gross is $200,000 x 90% = $180,000.
Because $20M is well past the $10M threshold, the $150/month platform fee is refunded in full, so it does not reduce the figure above. Again, this is a clean illustration at a single blended rate - real-world deals carry different finder fees by lender and product.
Example: $50M+ producer earnings (illustrative)
These figures are also illustrative only and use the same transparent basis: roughly 100 bps (1.0%) of funded volume. Actual commission varies by lender, product, and term.
A producer at $50M reaches the Legend ($50M+) 100% split. Gross finder fees are $50M x 1.0% = $500,000, and at a 100% split the illustrative take-home is the full $500,000 - you keep all of it.
The $150/month platform fee is long since refunded at this level, and there are no desk fees or franchise royalties to erode the number. This is the whole point of the blueprint: at the top tier, the brokerage takes nothing from your finder fee.
Your next step (confidential)
That is the entire commission structure - published, tiered, and the same for every agent: a clear path from a 60% training split to a 100% Legend split, one small self-eliminating fee, course reimbursement, and two profit-sharing plans.
If this is the kind of transparency you want behind your name, apply confidentially and we will run your specific numbers. You can also review the full commission page for the published details in one place.