Branch Presentation

At United Mortgage, we equip our branch owners with everything they need to thrive, including:

• Compliance Support
  Comprehensive in-house support for legal compliance, Mortgage Call Reports (MCRs), NMLS financial reporting, and state banking commission requirements.

• State Licensing Assurance
  We maintain the required net worth and financial standing for state licensing, so you don’t have to.

• Top-Tier Lender Access
  Enjoy partnerships with over 20 of the nation’s leading wholesale lenders, offering a wide range of competitive mortgage products.

• Accounting & Payroll Management
  We handle all bookkeeping, loan originator compensation, and commission splits—ensuring accurate, on-time payroll every month.

• Technology & Tools
  Branches receive access to our full tech suite, including Arive (LOS), CRM, company email, phone extension, and a personalized website for each loan originator.

• Ongoing Training & Onboarding
  Our training team supports your new hires every step of the way—with training programs and travel costs covered for initial onboarding.

• Marketing & Lead Generation
  A dedicated marketing team delivers professional branding, social media content, advertising support, and 5 qualified leads per loan originator every month.

Branch Revenue Potential

Some wholesale lenders offer up to 300 BPS per loan, allowing branch owners to retain up to 250 BPS per closing, while United Mortgage retains a 50 BPS royalty. By building and managing a productive team of loan originators, branch owners can scale their earnings significantly.

The following is a sample earnings illustration. Actual results will vary based on loan volume, lender rates, and compensation structures.

*Earnings Example

• Loan Amount: $350,000
• Lender Compensation: 300 BPS
• Branch Revenue (250 BPS): $8,750

Team Recommendation
We recommend that each branch has at least three producing loan originators, each closing three loans per month.

**Example Per Loan Originator (based on $350,000 loan)*:

• Loan Originator Compensation (125 BPS): $4,375
• Branch Owner Profit (after LO payout): $4,375
• Branch owners have full control over team compensation structure.

**Monthly Profit Potential (per branch)*:

• Profit per Loan Originator (3 loans): $13,125
• Total Profit (3 LOs): $39,375/month
• Plus your own production income as a branch owner.

Disclaimer: Figures are for illustrative purposes only and do not guarantee earnings. Actual compensation depends on lender pricing, loan volume, and your team’s structure.

Branch owners are responsible for the following expenses:

• Initiation Fee:
  $7,500 due at the time of agreement execution.

• Branch Fee (Financing Option):
  $17,500 financed over 36 months at a 5% interest rate. Payments begin 90 days after the branch is established.

• Ongoing Royalty Fee:
  50 BPS per closed loan, retained by United Mortgage.

• Technology & Lead Fee:
  $99.95 per loan originator per month, paid by the branch owner. This covers access to LOS, CRM, company email, Microsoft office, phone, website, and monthly leads.

• Commercial Office & Utilities:
  The branch must operate from a commercial (non-residential) location with at least one enclosed, private office space if required by the state.

• Licensing, Bonds & Renewal Fees:
  All required state licensing, bonding, and annual renewal fees for the branch.

Not necessarily. While every branch must have a physical address, a commercial office space is not required in every state. Office location requirements vary depending on state regulations—some states allow remote operations or home offices, while others may require a dedicated commercial space for licensing approval.

That said, we strongly encourage branch owners to operate from a professional, enclosed office space to foster credibility with clients, ensure privacy during mortgage discussions, and support potential growth. A commercial location may also be necessary if your branch grows to include additional team members or walk-in clients.

Regardless of your state’s specific requirements, you will be responsible for all rent, utilities, and office-related expenses. We’re happy to guide you through your state’s licensing rules and help you find a suitable office space that meets both regulatory and business needs—within your budget.

Yes, branch owners and their Loan Originators may originate and close loans in any state where United Mortgage holds an active license, regardless of the physical location of the branch. However, each Loan Originator must also be individually licensed in the specific state where the loan is being originated, in accordance with NMLS and state regulations.

Currently, United Mortgage is licensed in Maryland, Virginia, North Carolina, South Carolina, Georgia, and Florida, giving our branch network strong coverage across the Southeast. As part of our strategic growth plan, we are actively working to expand into additional states, providing even greater opportunities for our branches and Loan Originators to serve clients across the country.

We handle all company-level licensing and compliance requirements, allowing branch owners to focus on production and recruiting, while our compliance team ensures adherence to each state’s regulatory guidelines.

A monthly technology fee of $99.95 per loan originator is required and will be collected on each payroll cycle. This fee covers:

• Full access to our Loan Origination System (LOS)
• Integrated Customer Relationship Management (CRM) tools
• Company email account and Microsof Office 
• A dedicated phone extension and a personal website for each Loan Originator
• Five qualified leads per week to support individual production

This fee ensures that every Loan Originator is equipped with the essential tools and resources needed to succeed from day one.

Optional Equipment Recommendation: While not mandatory, we strongly recommend that branch owners provide their Loan Originators with dedicated computer equipment, such as a reliable laptop or desktop with sufficient processing power, to ensure optimal system performance and efficiency. Having standardized equipment also helps reduce technical issues and supports a more streamlined onboarding and training experience.

Branch owners are responsible for all costs associated with their branch NMLS licensing, including initial registration, annual renewals, and any required continuing education (CE) for the branch entity.

Loan Originators are individually responsible for maintaining their personal NMLS licenses, including renewal fees and CE requirements.

United Mortgage meets all state-required net worth thresholds on behalf of its branches and covers all company-level licensing fees associated with maintaining United Mortgage’s active licenses in approved states.

Each Loan Originator is responsible for managing the processing of their own loan files. United Mortgage does not provide in-house processing services; however, there are numerous third-party processing providers available that can assist with loan setup, submission, document management, and communication with underwriting teams.

Many of these providers are approved or recommended by our wholesale lending partners, making integration with their platforms seamless and efficient. These third-party services can help streamline your workflow, improve turnaround times, and ensure files are submitted clean and complete.

In most cases, and in accordance with lending guidelines and federal regulations, the cost of third-party processing may be charged to the borrower as a standard processing fee—provided all disclosures and compliance requirements are met.

We are happy to connect you with vetted processing vendors who understand our systems and can support your business effectively.

United Mortgage partners with over 20 of the nation's top wholesale lenders, giving our branch owners and Loan Originators unparalleled access to hundreds of mortgage products to meet the diverse needs of today’s borrowers.

Loan Program Highlights Include:

• Conventional Loans
• Government-Backed Programs: FHA, VA, USDA
• Jumbo Loans
• Investor Solutions: DSCR, Non-QM, ITIN
• Specialty Products: Construction, Renovation, Reverse Mortgages, HELOCs
• And much more—including unique programs for self-employed borrowers, bank statement loans, and foreign national options.

Competitive Lending Advantages:

• Access to industry-leading rates and pricing across multiple lenders
• Fast closings with streamlined workflows—turnaround times as quick as 10 business days in many cases
• Multiple lender options per scenario, allowing you to shop the best fit for your client without being locked into a single platform

This lender network gives you the flexibility to confidently serve a wide range of borrowers while remaining competitive in any market environment.

he United Mortgage Branch Ownership Agreement is a 5-year renewable commitment, designed to provide long-term stability and opportunity for growth. During the term of the agreement, branch owners are expected to fulfill all contractual obligations, including the repayment of any outstanding financing balances and future loses related to the branch purchase or setup.

In the event of early termination or non-renewal of the agreement, a 2-year non-compete clause will apply. Under this provision:

• The former branch owner may not establish or operate their own independent mortgage brokerage or lenderunder a different brand.
• They may continue working as a licensed Loan Originator, but cannot serve in a branch manager, leadership, or ownership capacity with any competing mortgage company.

This policy is designed to protect the integrity of United Mortgage’s branch model, preserve exclusive market territories, and ensure the company’s investments in technology, training, branding, and operational support are not leveraged to benefit a competitor.

We are committed to building lasting partnerships with our branch owners and providing every opportunity for success within the United Mortgage platform.