The Real Math Behind MLO Earnings at Innovative Mortgage

The Real Math Behind MLO Earnings at Innovative Mortgage

You’re an experienced Mortgage Loan Officer (MLO), and you’ve likely asked yourself: Am I maximizing my MLO income potential? Maybe you’re closing a few loans a month and wondering what’s possible with the right support. Or perhaps you’re a top producer, tired of hitting tier caps, watching your hard-earned commissions get sliced away by corporate overhead. 

That’s where Innovative Mortgage comes in. 

We’ve been growing rapidly—expanding into new states and partnering with new MLOs who say they’ve never been happier. Sure, we love MLOs closing 10+ loans per month, but at our core, we are a loan officer-owned company. We’re built for you—the honest, hardworking MLO at any production level. And we’re here to prove that, yes, you can make more money at Innovative Mortgage.

Average Mortgage Loan in 2025 and What You Can Earn

As of Q1 2025, the average mortgage loan in America is $263,923. What does that mean for you? It means that even closing one average loan per month at Innovative Mortgage can lead to real, tangible income.

Here’s the breakdown: At Innovative Mortgage, you choose your own compensation percentage. This isn’t just about flexibility—it’s about empowering you to control your earnings. Our MLOs currently choose an average compensation of 2.23%. So when you close a loan of average size, you’re earning about $5,885 per loan.

If you’re currently making less per deal or giving up your margins to meet volume quotas or hit tier levels, it’s time to do the math. Even modest production at Innovative Mortgage could lead to a stronger income without having to double your workload.

We Value Every Loan You Close

At Innovative Mortgage, every loan matters—no matter how big or how many you close each month. We believe that each time you help a family close on a home, you’re doing more than just funding a loan—you’re changing lives.

We know not every MLO has the same market, experience, or referral network to start off closing 10+ loans per month. And that’s okay. The beauty of our model is that we help you grow—ethically, professionally, and sustainably.

In fact, we’ve helped more MLOs move from 3–4 loans per month to 10+ loans per month than any company we’ve ever seen. We don’t apply pressure—we provide the tools, pricing, systems, and support that unlock your potential.

We’ve built a platform that meets you where you are and gives you what you need to grow on your own terms.

You Choose Your Compensation and Control Your Rates

One of the most powerful tools you have at Innovative Mortgage is the ability to set your own compensation structure. You’re no longer stuck asking, “What tier am I on?” or “How much of this deal am I giving away?”

Here’s why this matters:

• You set your comp percentage—so you control your earnings.
• We only take $595 per deal, period.
• That means you keep the rest—no mysterious splits, no company hands in your pockets.

Because we take less, your loan pricing is ultra-competitive. You’re not priced out of the market—you’re winning deals with better rates while still making more per loan.

You’ll have access to:

• 90+ top-tier lenders
• State-of-the-art LOS technology
• No production tiers
• No monthly quotas
• Full commission, every time

When a seasoned MLO joins Innovative Mortgage, they instantly get the best pricing, the best platform, and full control of their income. It’s a rare combo in this industry.

Why Seasoned MLOs Choose Innovative Mortgage

Seasoned producers choose Innovative Mortgage because they’re tired of limitations. They’re ready to stop sacrificing control, commission, and customer experience.

Here’s what we hear every week from new MLOs:

• “I was tired of being priced out of deals.”
• “My company kept more of my commissions than I did.”
• “I hated jumping through hoops just to hit the next comp tier.”
• “Innovative gave me immediate access to the best lenders.”

We’re different because we believe in our MLOs. You’re the owner of your business, and we’re the platform that helps you thrive.

If you’re an honest, experienced MLO who wants:

• More income
• Better pricing
• Full autonomy
• A team that truly supports your growth

...then you’re exactly who we want to partner with.

Interview Us and See the Numbers

Stop hesitating. Interview us. Let’s talk. Let us show you the scenarios, the pricing, and the numbers you could be working with.

We’re not here to push—we’re here to prove.

We’ll price out real loan examples, show you what your payout would look like, and help you compare that to what you're earning today. Numbers don’t lie.

So take the first step—give us a call, shoot us an email, or schedule a discovery session. If you're a seasoned MLO looking to elevate your income and control, Innovative Mortgage is the next right move.