Current LO vs. Your Own P&L
See how quickly owning your margin outearns being an employee — and why freedom beats golden handcuffs.
The margin they give you on each loan
Price Exception Loans
Conventional Loans
Government Loans
Your compensation rate
Defaults to 42 BPS of total volume
How adjusting your gross margin by ±25 basis points impacts total annual branch profit.
| Margin Change | Conv Margin | Gov Margin | Annual Branch Profit |
|---|---|---|---|
| -25 bps | 175 bps | 275 bps | $165,900 |
| Base | 200 bps | 300 bps | $323,400 |
| +25 bps | 225 bps | 325 bps | $480,900 |
Monthly Compensation Comparison
Current Retail Role
$35,000
per month
Your Own P&L
$73,500
per month
+$38,500
MORE per month
Projected Monthly Closings
15.0
Monthly LO Comp
$73,500
Annual Profit
$323,400
Additional Monthly Income
$38,500
+110.0% increase
Additional Annual Income
$462,000
Over the next 12 months
Income Multiplier
2.10x
Your earning potential
- Monthly Income
- Annual Income
Additional Income Annually
$462,000
Additional income per year as LO in P&L branch
Annual Branch Profit
$323,400
Net profit after all expenses
Why You Can Scale Faster
Offer Better Rates
With higher margins as a P&L branch, you can offer more competitive rates while still maintaining strong compensation and profitability.
Close More Deals
Capture loans you would have lost at your previous lender due to pricing constraints, increasing your volume and market share.
Higher Compensation Potential
Capture the full margin on every loan instead of a fixed commission, dramatically increasing your take-home pay.
Better Rate Control
Set your own pricing and margins so you can offer competitive rates while protecting profitability.
Capture More Deals
Win loans you would have lost at your previous lender due to pricing constraints, growing your market share.
Scale Faster
Higher margins let you reinvest in marketing and support, compounding your volume and income over time.
Hear from LOs who took back their margin
These are loan officers just like you — same loans, same effort — who now own their profit. Tap a story and see what's possible.
This calculator is for illustrative purposes only. Actual earnings depend on market conditions, individual performance, and specific company compensation structures.
The Mortgage Freedom Calculator is intellectual property of Tim Davis and the Soloprenuer Loan Officer program.
How to Use This Calculator
- • Enter your current loan production and compensation on the left
- • Input your projected P&L branch numbers on the right
- • See your potential additional income in real-time
- • Adjust numbers to model different scenarios
