Innovative Mortgage Services, Inc. is licensed in Colorado and built for independent MLOs who want to keep what they earn. 100% compensation, a single flat fee per loan, and the technology and support to fund more — with no quotas and no caps.
Interview Us!Everything an independent MLO needs to originate, fund, and get paid — without giving up the lion's share of your commission.
Earn a flat 275 bps on every loan — no tiers, no caps, and top compensation from dollar one. You keep what's left after a single transaction fee.
A single, transparent $695 transaction fee per funded loan. No layered branch splits, no surprises — just one fee, every time.
Your compensation is disbursed within 24 hours of funding. Fund a loan and get paid fast — your cash flow shouldn't wait on a payroll cycle.
Originate on your terms. There are no production quotas, no commission caps, and no tiers standing between you and your full earnings.
Originate from any device on Arive, a modern loan origination system with a borrower point-of-sale portal for applications, document upload, and credit.
Colorado is one of 25 states where Innovative is licensed. Already licensed elsewhere? Carry your production across our footprint with one company.
Established in 2004, Innovative Mortgage Services, Inc. has provided an end-to-end origination platform to licensed mortgage loan originators throughout the United States — and Colorado is one of the 25 states where we are licensed to do business. We built the company around a simple idea: hard-working MLOs deserve the highest compensation, the best products and terms available, and superb technology and support.
That's why our model is refreshingly straightforward. You earn a flat 275 bps on every loan and pay a single $695 transaction fee per funded loan — you keep the rest. There are no tiers, no quotas, and no commission caps, and your compensation is disbursed within 24 hours of funding. With both correspondent and broker channels and access to more than 100 lenders and investors, you can place the loan where it makes the most sense for your borrower instead of forcing it into one box.
Independence doesn't mean going it alone. Our management team brings over 75 years of combined mortgage industry experience, and originators new to Innovative receive hands-on onboarding, LOS training, pipeline support, and disclosure support. With 300+ MLOs already originating on the platform and a 100% remote-friendly setup, you can run your Colorado business from a home office while a team that cares about your success has your back. Our professional compass has always pointed to ethical loan origination, attentive compliance, and heightened quality control.
Innovative's compensation model is built so you keep more of what you originate. You earn a flat 275 bps on every loan, pay one $695 transaction fee per funded loan, and the balance is yours — disbursed within 24 hours of funding. No tiers, no caps, no quotas.
Want to see what that means for your pipeline? Run your own numbers with our MLO Pay Raise Calculator and compare your current compensation to Innovative's.
All figures describe Innovative's compensation structure. Individual earnings depend on your production. Estimates from the calculator are not an offer of a specific compensation plan — request an information packet for a plan specific to you.
With access to more than 100 lenders and investors, you can write the right product through the right channel for each Colorado borrower.
Close loans in your own name and deliver to investors. The correspondent channel gives you control of the file and the borrower experience, with Innovative's pricing and support behind you.
Shop a deep wholesale lineup to find the best fit for your borrower. The broker channel opens up direct lender pricing across 100+ lenders and investors so you stay competitive on rate and terms.
Both channels run on our cutting-edge Arive LOS, with full origination, point-of-sale, and credit privileges — and hands-on processing support to keep your pipeline moving.
Innovative Mortgage Services, Inc. is licensed in Colorado and committed to attentive compliance and heightened quality control on every loan.
Innovative Mortgage Services, Inc. — NMLS #250769 — has provided an end-to-end origination platform to licensed mortgage loan originators since 2004 and is licensed in Colorado as one of 25 states. For Colorado license numbers and state regulatory notices, please review our State License Designations page. You can also verify our company and its mortgage loan originators on the Nationwide Multistate Licensing System & Registry at NMLSConsumerAccess.org.
Innovative Mortgage Services, Inc. is an Equal Housing Lender.
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 considering affiliation with Innovative Mortgage Services, Inc. and is not an offer of credit to consumers. Some states require W-2 compensation of mortgage loan originators — please contact us to learn more about Innovative's 100% compensation plans for W-2 states.
100% compensation, one flat fee, paid within 24 hours of funding — and the support you deserve. Let's talk about your move to Innovative.