Innovative Mortgage Services is licensed in North Dakota and built for independent MLOs who want to keep what they earn. A flat 275 bps on every loan, a single $695 transaction fee, and the rest is yours — no quotas, no caps, paid within 24 hours of funding, 100% remote-friendly.
A compensation model and platform built for independent MLOs — not for a big-bank branch hierarchy.
Earn a flat 275 bps on every loan you fund. No tiers, no overlays on your pay, no slow climb up a comp grid — you keep the rest.
A single $695 transaction fee per closed loan. That is it. No hidden splits siphoning off your commission deal after deal.
Get paid within 24 hours of funding. Your commission shouldn't sit in someone else's account waiting on a pay cycle.
No minimum production requirements and no commission caps. Write the volume that fits your business and your life.
Originate on Arive from any device. Borrowers apply, upload documents, and consent to credit through a modern point-of-sale portal.
Licensed in North Dakota and 24 other states. Keep your North Dakota book and follow your borrowers and referral partners across state lines.
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.
North Dakota is a market where relationships and local knowledge still win loans. From the Fargo–Moorhead corridor and the state capital in Bismarck to Grand Forks, Minot, and the energy communities out in the Bakken, your borrowers range from first-time buyers and young professionals to move-up families, energy and ag workers, self-employed owners, and farm and rural buyers who need a lender that understands their income. To serve that full range well, you need every product, sharp pricing, and a partner that pays you what you are worth on each loan. That is exactly the model we built: a flat 275 bps on every loan, one $695 transaction fee, and your commission in hand within 24 hours of funding — with no quotas and no caps holding you back.
Whether you are a seasoned producer tired of giving away half your commission, or an established MLO who simply wants to keep more of what you earn, Innovative gives you the room to grow your North Dakota book on your terms. Work 100% remote from your home office — a real advantage across a state where your clients and referral partners can be hours apart — lean on processing and onboarding support that genuinely cares about your success, and originate alongside 300+ MLOs backed by access to 100+ lenders and investors.
No asterisks and no "up to." This is the plan every Innovative MLO works under, in North Dakota and in all 25 states we serve.
You earn the same rich 275 basis points on every loan you fund — no tiers and no caps that shrink your pay as you produce more.
A single $695 transaction fee per closed loan covers your cost to originate with Innovative. You keep the rest of your commission.
Paid within 24 hours of funding so your cash flow keeps pace with your pipeline instead of trailing weeks behind it.
Plug your average loan amount and monthly units into our Pay Raise Calculator and watch the difference a flat 275 bps and a single $695 fee can make against the split you are working under today.
The headline figures are large for a reason: 275 bps is a genuinely rich rate, and when you stop surrendering a chunk of every commission, the gap adds up fast. Run your real North Dakota numbers and decide for yourself.
Give your North Dakota borrowers the right loan instead of forcing every deal through a single lender's box.
Close in Innovative's name and deliver to a deep menu of investors. Correspondent execution gives you control of the process and competitive pricing — without the overlays that cost you deals at a single-source shop.
Shop your loan across our wholesale lender relationships to find the best fit and the sharpest rate for each borrower. Brokering lets you serve clients other North Dakota MLOs simply cannot.
Write loans with more than 100 lenders and investors. Conventional, FHA, VA, USDA, jumbo, non-QM and more — the breadth to say "yes" to the borrowers in front of you.
New Innovators get onboarding training, LOS training, pipeline support, and disclosure support from a team that wants you funding loans quickly and correctly.
We hold ourselves and our Innovators to attentive compliance, ethical origination, and heightened quality control.
Innovative is licensed to originate residential mortgage loans in North Dakota and is one of 25 states where our MLOs can do business. For our company and individual MLO license numbers and any state-specific notices, please review our official State License Designations page.
You can verify Innovative Mortgage Services, Inc. and any of our licensed MLOs through the Nationwide Multistate Licensing System at NMLSConsumerAccess.org.
Equal Housing LenderThe company may or may not fund loans under the advertised program. Loans may be arranged with third-party providers. Innovative Mortgage Services, Inc. (NMLS #250769) is an Equal Housing Lender. Information on this page is intended for licensed mortgage professionals exploring an origination opportunity and does not constitute an offer to lend or a commitment to extend credit. All loans are subject to underwriting approval, applicable program guidelines, and state and federal law.
The support you expect, the compensation you deserve. Let's talk about your move to Innovative — interview us and see if we're the right fit for your North Dakota business.