Innovative Mortgage Services has been licensed to serve Ohio MLOs since the company's founding in 2004. We give licensed Ohio MLOs the compensation, products, and hands-on support to build the origination business they actually want — 100% remote-friendly, no quotas, no caps.
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 Ohio and 24 other states. Keep your Ohio book and follow your borrowers and referral partners across state lines.
Innovative Mortgage offers three compensation plans, and each one empowers mortgage loan originators to elect and modify their compensation quarterly. Innovative deducts a flat transaction fee from the mortgage loan originator's elected compensation and disburses the balance to the mortgage loan originator. For most Ohio MLOs that means a rich, flat 275 basis points on every loan you fund and a single transaction fee per closed loan — a model designed so you keep the lion's share of what you earn instead of handing it to a branch.
Ohio is one of the most affordable and steadiest housing markets in the country, with strong purchase activity across Columbus, Cincinnati, Cleveland, Dayton, Toledo, Akron, and the towns in between. Steady inventory and approachable price points reward a MLO who can deliver every product and sharp pricing — not one who is boxed in by a single lender. To compete and grow here, you need the breadth to say "yes" and a partner that pays you what you are worth on each loan.
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 Ohio book on your terms. Work 100% remote from your home office, lean on processing and onboarding support that genuinely cares about your success, and originate alongside 300+ MLOs backed by a management team with 75 years of combined mortgage experience.
No asterisks and no "up to." This is the plan every Innovative MLO works under, in Ohio 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 Ohio numbers and decide for yourself.
Give your Ohio 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 Ohio 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 Ohio 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. 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.
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 Ohio business.