UMortgage has unveiled a flat-fee mortgage broker model aimed at accelerating growth in the independent broker channel, reflecting a broader industry shift toward third-party origination (TPO).
The company’s new structure introduces transparent compensation and expanded support systems designed to help brokers scale their businesses more efficiently.
Under the new model, brokers can earn 2.75 percentage points on every loan they originate, while paying a flat $995 platform fee, a $300 closing quality control fee, and a 10% payroll and administration tax on each funded loan. There is also a corporate margin cap of $49,750, and once a broker funds 50 units in their anniversary year, the $995 fee is waived for the remainder of that period.
The structure is crafted to balance predictability with scalability: by simplifying costs and aligning incentives, UMortgage aims to make it easier for brokers to compete in a tightening market. That strategy aligns with broader sector trends: a recent industry study showed the mortgage broker channel grew by more than 12% in 2025, while traditional mortgage bankers and retail lenders saw headcount declines.
"UMortgage is introducing our new broker model because we're finally built for scale," said Anthony Casa, UMortgage president and CEO. "We've spent the last five years building our business and dialing in our systems to be able to scale our platform, and the broker model is best for consumers and best for loan originators."
Central to the initiative is Tempo, UMortgage’s proprietary CRM platform built specifically for brokers. Tempo offers a unified dashboard for pipeline management, automated communication tools, and relationship-building features, allowing brokers to reduce administrative friction and operate without juggling multiple systems.
To support adoption and deeper engagement, UMortgage announced a series of GoBroker workshops and webinars starting in March, offering brokers practical insight into the new model and opportunities to connect directly with the company.
