Choose how you get paid - W2 or 1099, dependent on your state

Choose from 120+ lenders to get the best deal for you and your client

Choose from 400+ contract processors to handle your loan file your way

You have the Freedom
to Choose

Choose wholesale, correspondent, or broker-paid—no extra fees

Choose company leads or self-source your own deals

Choose to recruit LOs and earn income
on their deals

You only pay
$495 per file

At Client Direct Mortgage, we offer the best loan officer compensation in the industry — just $495 per file. That means more money stays in your pocket, where it belongs. No splits, no hidden fees, and no corporate overhead eating into your hard-earned commissions. Our flat-fee model is designed to maximize your income while giving you full control over your business. Whether you're funding a few loans a month or scaling up, our structure empowers you to grow without limits — true Broker Freedom starts with keeping what you earn.

Best Comp in the Industry

Empower.
Don’t Control.

Your broker shouldn’t be above you, making decisions for you, but beside you—respecting that you’re an entrepreneur who can think for yourself. You deserve support, not supervision. Real partnership means trusting you to do what’s best for your business and your clients.

Best Platform in the Industry

All-in-one smart loan platform, powered by advanced AI trained on data from over 120 lenders. Instantly enhance decision-making, reduce approval times, and streamline the loan lifecycle with intelligent automation. Experience faster, more accurate, and more efficient lending—powered by technology that works as hard as you do.

Broker AIQ

Scenario Desk

Navigate complex loan situations.
Get fast, expert guidance on structuring deals, exploring lender options, and finding solutions that work for you and your clients.

On-demand Guideline Search

Use our custom-GPT to search over 9,000 pages of loan guidelines in seconds. Save time, reduce guesswork, and get the information you need to move your deals forward.

Live Support

Real-time collab with experienced mortgage pros. From a quick question to in-depth guidance, our Live Support team is here to help you close deals faster and with confidence.

Easily compare rates and programs across multiple lenders in one place. Saves you time and ensures you’re offering the most competitive options to your clients, every time.

Integrated Pricing Engine

Vendor Directory

Easily find and connect with verified service providers through our built-in Vendor Directory. From appraisers to title companies, access a curated network of trusted professionals to support every step of the loan process—all in one place. Save time, stay organized, and keep your deals moving smoothly.

Daily Trainings
by AEs

Stay up to date with daily live trainings led by Account Executives from top lenders. Easily access the training calendar through our built-in Broker AIQ platform—no extra logins, no hassle. Learn new products, guidelines, and tips straight from the source to help you close more loans with confidence.

Processing Your Files

Loan officers should have full control over how their files are processed. Whether you're a hands-on pro, prefer your company’s internal system, or want to outsource for efficiency, the choice is yours. Our flexible platform supports multiple processing paths, so you can work the way that best suits your business, clients, and workflow. Here’s how it works:

Contract Processing

Choose from a network of vetted, independent contract processors who work directly with you. This option gives you the freedom to collaborate with experienced processors without being tied to a company system.

Company Processing

Leverage the company’s existing system. You’ll benefit from platform features while maintaining alignment with your organization’s preferred workflows and compliance standards.

Process Yourself

Prefer to manage your own files? You have the tools for processing independently. With intuitive tools, AI-powered guidance, and real-time support, you can move files from application to close efficiently.

Processor
Assist

Take the hassle out of loan processing with Processor Assist, our internal support program designed to help loan officers stay focused on closing deals—not chasing paperwork. We handle the time-consuming but critical tasks like ordering title, ordering appraisals, and managing other key steps. With Processor Assist, you stay in control of the file while we take care of the busywork, so you can focus on your clients and grow your business faster.

ARIVE

The only full-service broker with ARIVE integrated. A powerful, all-in-one origination platform designed specifically for mortgage brokers. With web-based access, mobile LOS & POS, live lender pricing, automation tools, and customizable workflows, ARIVE simplifies every step of the loan process.

Why We're the Best Comp

$495 /
file

$149 / monthly fee

At Client Direct Mortgage, we keep it simple and transparent. No hidden costs, no splits, and no surprise charges. You keep more of your hard-earned money while gaining access to top-tier tools, support, and flexibility. It's the smartest, most affordable way to run your mortgage business—and that’s why we’re the best in the industry.

+

Empowering Loan Officers

Client Direct Mortgage has transformed my career. The support and independence I’ve gained here are unmatched. I can close deals on my terms, and the compensation structure is the best in the industry. I feel valued and motivated every day, knowing I have a team that truly has my back.

- Andrew Jenkins

Joining Client Direct Mortgage was the best decision I made. The freedom to operate my business without corporate politics has allowed me to thrive. With access to top-tier lenders and streamlined systems, I can focus on what I do best—closing deals and serving my clients. Highly recommend this brokerage!

- Danielle Lores

Freedom to Choose. Power to Grow.

Apply now and take full control of your business—set your own path, choose your own lenders, and keep more of what you earn, all with the tools and support you need to succeed.