Broker cost allocation
Mortgage Broker Compensation and Cost Scenario Visualizer
Visualize compensation and processing-cost allocation using an established plan and actual rate-sheet inputs. The tool keeps lender-paid and borrower-paid compensation mutually exclusive and never labels a borrower-paid charge as free processing.
COMPENSATION + COST ASSUMPTIONS
Visualize who pays what.
Use the established compensation agreement and an actual rate sheet. Note rate and price are not calculated by simply adding compensation to the wholesale rate.
TRANSACTION-LEVEL ALLOCATION VIEW
- Mode
- Lender paid
- Compensation
- $9,563 (2.25%)
- Broker direct outlay
- $0
- Rate reference only
- 6.125%
Illustrative broker-use scenario only. This tool does not quote or lock a rate, calculate APR, determine eligibility, or produce a Loan Estimate or Closing Disclosure. Lender-paid and borrower-paid compensation are modeled as mutually exclusive. Compensation, credits, and processing charges must follow written agreements, applicable services, lender and investor requirements, federal and state law, and required disclosures. Confirm every scenario with the lender and your compliance team.
Why does this tool avoid a simple rate-plus-margin formula?
Wholesale rate, price, discount points, lender credits, and note rate do not move on a universal linear curve. Loan-originator compensation also cannot be changed transaction by transaction based on rate or another loan term. Use the written compensation plan, actual rate sheet, and lender compliance workflow.
Primary references
Verify the live rules and assumptions.
Program, regulation, and vendor information can change. Use the current source alongside lender, investor, legal, compliance, and file-level review.
Plan your processing lane
Need a second set of operational eyes?
Request a scenario-level conversation about scope, lender workflow, systems, and processing fit. Do not send borrower information or loan documents through this website.
- No borrower file needed
- Scope comes first
- Leave with a clear next step