Broker
Sharp pricing.
You become the ops team.
A-Z Lending Mortgage Advisors
Wholesale pricing. Full Infrastructure.
Retail / Big Bank
Support exists.
Pricing kills your deals anyway.
✓Competitive wholesale rates
✗You’re chasing conditions and managing timelines
✗No dedicated ops support
✗No coaching or business development infrastructure
✗You’re the processor, the LO, and the account manager
✓Wholesale pricing: compete on rate without cutting comp
✓Dedicated Processor handles your files
✓Full retail support: marketing, tech, coaching
✓Pricing designed to reduce the need for concessions
✓Coaching and leadership from a producer who is still active in the business
~Some ops support (depends on the branch)
✗Retail pricing puts you at a structural disadvantage
✗Limited product selection
✗Your commissions are capped
✗Concessions come out of your pocket
✗Layers of middle management paid off your production