The Good, Bad, and Ugly Of LO Comp

LO comp sounds simple. You close loans, you get paid. But between Reg Z, expense accounts, team splits, recruiting overrides, servicing income, and the fine print buried in every Loan Originator Compensation Agreement — it's anything but.

Whether you're an originator wondering if you're leaving money on the table or an executive building a comp structure that attracts talent without killing your margin — this summit is built for you.

Real companies. Real models. Real math. Then break out with the platforms actively recruiting and ask the questions you'd never ask on a recruiting call.

Key Takeaways:

• How leading mortgage platforms actually structure LO comp — the real numbers
• The rise of the high-split model: what originators actually net after fixed fees and expenses
• Why the distributed retail model remains one of the most powerful engines for volume
• 1099 vs W2: what's legal, what's risky, and what your state actually allows
• Regulation Z: the comp traps quietly blowing up companies right now
• LO comp litigation trends: what's being challenged in court and what it means for your business
• The latest regulatory updates every executive and originator needs to know
• How to stay audit-ready — before the auditor shows up
• How originators can participate in the income derived from servicing
• Team splits, overrides, and recruiting comp: how it actually works
• Expense accounts: what's negotiable and what to watch out for