25→42
units per year
“I was doing 25 units at Edge. Now I'm doing 42 at CMS. The systems work. That's it. No hand-wave.”
Confidential, Licensed LOs Only
Your split is the headline.
Your total comp
is the story.
If you closed 25+ units last year, five minutes on this page will tell you whether you're underpaid, fairly paid, or being sold a number for the brochure.
The Real Ledger
Annual
What most LOs forget to subtract.
Self-pay benefits
Health, dental, vision, 401(k)
−$15,000
Processing markup
$800 to $1,200 per file
−$12,000
Slow-close drag
Realtor partners go quiet past 30 days
3 to 6 deals
Total annual drag, before you've sold a single loan.
$27K+
Approximate, for the median 25-unit producer at a high-split body-farm shop. Your number on the calculator below.
The Industry After 2022
Once you're past 20 units a month,
every brokerage falls into one of two camps.
Know which one you're at. Know which one you want.
The Body Farm
Recruit hard.
Support nothing.
High splits front the brochure. Everything else is on you, including the things you don't realize you're paying for.
- 01Recruit everyone with a license. Support whoever survives.
- 02You're a row in a spreadsheet, not a name on a roster.
- 03No coaching cadence. No playbooks. No real onboarding.
- 04"Here's your Arive login. Good luck."
- 05Processing is somebody else's problem. Usually yours.
The Elite Shop
Recruit selectively.
Support relentlessly.
Splits are competitive. The difference is what comes with the split, and what doesn't get pulled out of your pocket after you sign.
- 01Selective on the way in. We say no more than we say yes.
- 02Systems, coaching, and a producing manager on day one.
- 03136 LOs on purpose, not because nobody quit.
- 04Built for producers who want a path to 45+ units.
- 05Bright Processing owns the file end-to-end so you can sell.
If you read both columns and the left one sounds like your last three onboarding emails, the rest of this page is for you.
The Math
Total comp at CMS: 150 to 175 BPS.
Plus the line items nobody else lists.
Benefits Ledger
Annual Value
Health insurance
Group rates, not self-pay at $1,200+/mo
+$8,400
Dental and vision
Full coverage. No supplemental surprise.
+$2,400
401(k) match
Company match on contributions
+$4,200
Processing savings
$995/file flat vs $800–$1,200 industry avg
+$4,200
Marketing and tech
CRM, design team, lead tools, included
+$3,600
Elite Academy
22+ playbooks, weekly coaching, 1:1 onboarding
+$4,200
Total annual value, included
+$27,000
The Bottom Line
$27K+
In annual value most brokerages don't write into the contract.
Where you land on the 150 to 175 BPS range depends on units, average loan amount, and ramp. We walk through it on the call. No broker-speak, just numbers on a page.
The Comparison We Hear Most
90/10 with self-pay benefits, or 85/15 with everything included.
Run the math both ways. The calculator below does it for you in 30 seconds.
Plug In Your Numbers
The math,
with your inputs.
Drag the sliders. Watch the gap close. We use 165 BPS for CMS (midpoint of 150 to 175) and bake in the $15K benefits gap.
Your Current Shop
Best Guess Is Fine
165 BPS
50 BPS250 BPS
I'm at:
35
10/yr75/yr
$400,000
$150K$1.5M
35 loans × $400,000 = $14.0M annual volume
Side By Side, Net Take-Home
Your current shop
165 BPSGross commission$231,000
Self-pay benefits−$15,000
Net$216,000
At CMS Mortgage
165 BPSGross commission$231,000
Benefits, included+$15,000
Net$231,000
Annual swing toward CMS
+$15,000
That's the line nobody at the body-farm puts on the offer letter.
Read This If You're At 200+ BPS Today
If you're at 200+ BPS today,
your gross goes down. Your net goes up.
The math above doesn't lie. A top producer at a high-split body-farm shop will see a smaller per-file commission at CMS. We're not going to pretend otherwise. Here's why we still think it's the move.
01
The comp ceiling
Body-Farm Shop
Up to 225 to 250 BPS at body-farm shops if you eat every cost.
CMS
150 to 175 BPS, after we already paid for benefits, processing, and tech.
02
The cost floor
Body-Farm Shop
$15K self-pay benefits, $800 to $1,200 per file processing, leads on you.
CMS
Zero. Floor is the floor.
03
The systems
Body-Farm Shop
A login and a calendar invite to a recorded onboarding.
CMS
22+ named playbooks, a producing manager, weekly coaching.
04
The trajectory
Body-Farm Shop
Flat. Whatever you produced last year is whatever you produce next year.
CMS
+17% Y1, +33% Y2, +44% Y3 average across producers who joined with 12+ months of history.
The Year-Three Math
+$25K
If you're closing 32 units a year at 215 BPS today, the move probably costs you ~$25K gross.
The systems delta is worth more than that inside 18 months. We can walk you through the year-3 math on the call.
If your gross matters more than your trajectory, stay where you are. Genuinely. We're a fit for producers buying a runway, not a paycheck.
Our sister shop, Bright Processing,
owns every file end-to-end.
19
daysAverage
close time
close time
You spend your day talking to borrowers and realtors. Bright spends theirs clearing conditions.
Nobody at CMS is asking you to also be your own processor. The handoff is the workflow, not a favor.
See Bright ProcessingHow the file moves
- You originate. Bright owns the file from disclosure to clear-to-close.
- Same-day condition clears, not "we'll get to it tomorrow."
- A dedicated processor on your roster, by name, every file.
- 50+ wholesale lender partners already wired into the workflow.
$995 flat per file, charged on the CD. 94% on-time closings across the roster.
The Systems Layer
22+ playbooks.
A producing manager on your roster.
A tech stack that doesn't require you to be your own IT department.
Six Playbooks, Named
06 / 22+
01
The Referral Partner Playbook
Scripts, follow-up cadence, gift-of-value rotation
02
Pipeline Velocity System
Weekly file review, condition triage, lock strategy
03
Social Authority Calendar
90 days of content, post templates, response scripts
04
CRM Automation Stack
HighLevel workflows pre-built for purchase and refi
05
Weekly Group Coaching
Live with a producing manager, not a recruiter
06
1:1 Onboarding
First 90 days mapped, first deal in week three
The Stack, Already Wired
AriveLoan origination
HighLevelCRM + nurture
AI DraftingMemos + research
In-house DesignUnlimited assets
No "buy your own automation tool." No "we'll get IT to look at it Friday."
Compare day one at CMS to day one at your last shop.
If your onboarding was an email with a login, we'd like to introduce you to a calendar.
From The Roster
LOs who left the brochure brokerages.
Three producers. Three different last shops. The same reason they stayed.
100%
on-time payments
“Nexa never paid me on time. CMS, every single time. Sounds basic. It's not. It's the difference between running a business and chasing a paycheck.”
30→45
units per year
“Barrett left me alone. CMS helped me scale from 30 to 45 units with real coaching, not 'log into the LMS, here's a video.'”
Last names redacted by request. Happy to put you on a verification call with any of them after we've talked.
30 units today.
43 by Year 3.
Same producer. Same market. Different operating layer. The systems compound.
Year 1
+17%
35 units / year avg
Year 2
+33%
40 units / year avg
Year 3
+44%
43 units / year avg
Average across LOs who joined with 12+ months of pre-join production history. Individual results vary. Happy to walk through the methodology on the confidential call.
The Honest Filter
We're selective on purpose.
136 LOs is a roster, not an open enrollment. Read both columns and tell us, honestly, which one you live in.
Probably Not
Better shops exist for this.
- 01You only care about the highest split, support optional
- 02You're building an MLM downline and need recruits, not borrowers
- 03You're not interested in coaching, playbooks, or accountability
- 04You're already where you want to be, with no real intent to scale
Not a fit right now? Genuinely fine. Bookmark the page. The systems aren't going anywhere, and neither is your trajectory.
Likely Yes
You'd be a fit here.
- 01You're closing 20 to 40 units a year and the next ceiling looks like 45+
- 02You've outgrown being a row on someone's recruiter spreadsheet
- 03You want systems and coaching, not only a higher split
- 04You take culture and the people on your roster seriously
- 05You're self-gen but the next leg requires a real operating layer
- 06You'd consider a leadership track once production stabilizes
The Confidential Call
Let's run your real numbers.
No pitch. No "let me tell you about CMS." A 30-minute working session, on your calendar: your numbers, our calculator, an honest answer about whether the move makes sense.