What Alabama MLOs gain at Innovative
The same platform that supports 300+ MLOs across 25 states — now working for you, wherever you originate in Alabama.
100% compensation
You earn a flat 275 basis points on every loan you close. There are no commission caps and no production tiers to climb — what you originate is what you're paid.
One $695 flat fee
A single $695 transaction fee per closed loan — flat, transparent, and the same on a $150,000 mortgage as it is on a jumbo. No hidden splits, no escalating overhead.
Paid in 24 hours
Your commission is paid within 24 hours of funding. No two-week pay cycles and no waiting on month-end batches — close it, fund it, get paid.
No quotas
Originate at your own pace. There are no minimum production requirements and no quotas hanging over your business — you build it the way that works for you.
Cutting-edge LOS
Originate on Arive from any device, with a point-of-sale portal that lets borrowers apply, upload documents, and consent to credit — built for a modern, remote workflow.
25-state reach
Alabama is one of 25 states where Innovative is licensed. Carry your clients with you as they move, and grow your book without re-platforming every time you cross a state line.
Why Alabama MLOs choose Innovative
Innovative Mortgage Services, Inc. (NMLS #250769) was established in 2004 and has spent two decades building an end-to-end origination platform for licensed MLOs. We are not a big bank, and we don't operate like one. We're a privately held mortgage company run by a management team with more than 75 years of combined industry experience, focused on one thing: giving independent MLOs the compensation, products, and support they deserve.
For an Alabama MLO, that means originating from a home office or your own space with the same firepower a national shop would expect. You get access to 100+ lenders and investors, both correspondent and broker channels, and a cutting-edge loan origination system you can run from any device — all while keeping the lion's share of every commission you earn.
Just as important is what happens behind the scenes. New Innovators receive hands-on onboarding, LOS training, pipeline support, and disclosure support so you're never left to figure it out alone. Our compass has always pointed toward ethical loan origination, attentive compliance, and heightened quality control. The formula is simple: do the right thing, support our originators relentlessly, and let great MLOs build great businesses.
If you're licensed to originate in Alabama and you're tired of caps, quotas, and watching your branch keep the difference, it may be time to interview a company built around you.
A pay model you can do the math on
Transparent by design. Here's exactly how an Alabama MLO is paid at Innovative — no asterisks, no "up to."
How it works
On each closed loan you earn a flat 275 basis points, Innovative collects one flat $695 transaction fee, and the remaining compensation is yours. Because the fee is flat, your effective payout climbs as your loan amounts grow.
Two channels. One platform. 100+ investors.
Originate the way each deal demands — and reach for the program your Alabama borrower actually needs.
Correspondent channel
Fund and close in Innovative's name, then deliver to investors — giving you more control over the file, the timeline, and the borrower experience when the deal calls for it.
Broker channel
Shop your file across 100+ lenders and investors to find sharp pricing and the right fit for each Alabama client — conventional, government, jumbo, and specialty programs alike.
Whether you're serving first-time buyers in Birmingham, move-up families along the Gulf Coast, or self-employed borrowers anywhere in the state, having both channels under one roof means you rarely have to turn a qualified borrower away.
Licensed, transparent, and accountable
We take the "trust" in mortgage seriously. Here's how to verify exactly who you'd be hanging your license with.
The company may or may not fund loans under the advertised program. Loans may be arranged with third-party providers. This page is intended for licensed MLOs and prospective Innovators; it is not an offer or commitment to lend. Innovative Mortgage Services, Inc., NMLS #250769. Corporate office: 17717 Hunting Bow Circle, Unit 101, Lutz, FL 33558. Phone 727-372-8059. For license numbers and state-specific notices, see our State License Designations and verify at NMLSConsumerAccess.org.
Ready to originate in Alabama on your terms?
The support you expect, the compensation you deserve. Interview us and see what a flat 275 bps, a single $695 fee, and 24-hour pay can do for your business.