Become an Independent Mortgage Broker

Unlock Your Full Potential

Offer Competitive Rates Without Sacrificing Support

At IMB™, we understand that transitioning from a retail bank to becoming an independent mortgage broker feels daunting. But with us, independence doesn’t mean isolation. You can offer competitive rates and win back real estate referrals, all while enjoying the robust support and guidance you’ve always valued. Take the leap with IMB™— where your independence is powered by unparalleled backing. Break free without feeling alone.

Lower Rates
Better than Retail Bank Support
$3K + more per deal on average
More Earning Potential

Compensation

Learn More

Get more money in your pocket (and your borrowers)
while having the highest level of support.

The Mortgage Landscape for
Independent Mortgage Brokers

High Rates = Lost Referrals

The mortgage industry is fiercely competitive, especially for loan officers at retail banks. With rising interest rates, the squeeze on retail bank loan officers intensifies. Your rates are a half-point higher than independent mortgage brokers, leading to lost valuable realtor referrals. Building relationships with real estate agents can help keep your loan pipeline full by earning referrals from homebuyers who rely on their real estate agents for guidance. In this tightening market, the consumer will research for the lowest rates to finance their home purchase and their real estate agent will send them to the lender who helps them get approval and to closing.

Exploring Your Options

Myth Busting

To safeguard your earnings, transitioning from captive banking to mortgage brokerage is becoming imperative. Understanding the differences between types of mortgage brokers and the requirements for becoming an independent mortgage broker is crucial. But the warnings of bank managers, designed to keep you tethered, cast doubts. With IMB™, cut through the noise, see the bigger picture, and elevate your income without the compromises they warn you about.

Best of Both Worlds

Low Fees + Support

With IMB™, as an independent mortgage broker, you get the crucial lower rates without compromising on support. Having cutting-edge digital tools is key to success in the mortgage broker industry, with the IMB™ portal you will have the best technology for the business. Pay one of the best competitive structures in the industry for each funded deal and still get TBD underwrites, close in 2 weeks, balance CDs days prior to a CTC, and send wires the day before closing. Plus, the majority of our wholesale lenders don’t require funding authorization on home loans.

Empower Your Independence

Operate under your chosen DBA licensed to IMB™.

Embrace the opportunity to operate under a DBA (Doing Business As) of your choosing, fully licensed to IMB™. When conducting business as an independent mortgage broker with IMB™ you get to maintain your entrepreneurial spirit within the framework of IMB’s extensive network. Enjoy the benefits of competitive rates and lower fees for your clients, while leveraging IMB’s powerful resources and access to the best wholesale lenders.

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Independent mortgage broker standing out from the competition, represented by a green paper airplane veering away from a group of white paper airplanes.

A Better Way

The Best of Both Worlds: Independent and Connected.

You don’t have to brave the new mortgage broker world on your own. IMB™ connects you with a community of like-minded MLOs who are successfully enjoying the benefits of working for themselves. Build relationships and enjoy a supportive learning community with IMB™, developed by experienced mortgage lenders. Discover more about the founders of IMB™, Ryan Davis and Nate Jennison— in 2023, Nate was honored as Broker of the Year by the National Association of Mortgage Brokers. Connect with the industry’s best.

Gain access to a supportive community of like-minded MLOs.

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Free Checklist

Diverse independent mortgage brokers collaborating and working with clients.

Reviews from Real MLOs

5.0 24 reviews

Kurt ★★★★★ October 2024
I have been a sole proprietor of a Mortgage Company for over 22 years and have worked through the 2008 Mortgage Meltdown. As I near retirement I chose to join my team with IMB Team. The main reason was the staff, Ryan - Nathan - Sean. They have created a great support system to allow me the opportunity … More to have a wide variety of lenders to offer my clients more opportunity and competitive pricing. In addition, their back-end staff, Erin makes everything run smoothly. Due to their size, they are able to simplify the process, which gives me more time to grow my client base. They are always helpful and constantly looking at ways to improve, increase opportunities and create a team of professional brokers. No Regrets
Dennis ★★★★★ October 2024
As someone who previously owned my own mortgage brokerage and has experience working with several mortgage bankers, I can confidently say that Independent Mortgage Brokers (IMB) stands out above the rest. The support I get from leadership trickles down to all loan originators, creating an amazing sense … More of community. IMB consistently makes decisions that benefit our clients first, which leads to greater success for everyone involved. Their platform provides us with the systems and tools we need to excel as brokers. With access to the best wholesale lending partners, we have a clear competitive advantage in the market. I’ll take IMB's platform over any other, hands down!
Marna ★★★★★ August 2024
I spent 25 years in correspondent lending. I was nervous about making the switch to broker because of the challenges I had heard that came with the broker business model. When our group was looking for a change we interviewed other correspondent lenders and also brokers. We chose IMB because of the … More great products and high level of support. The systems and support are on par with the correspondent lender I had experienced all of my career. The rates and products with IMB are superior to what I had before. I couldn't be happier for the decision we made to join the IMB family!
Garrett ★★★★★ August 2024
I started with IMB from the beginning after being laid off in the corporate banking world and my life has changed immensely (for the better). Ryan Davis took me in with little to no experience and has been an incredible mentor in my career. IMB disproves all of those horror stories that you may hear … More from time to time about being on an unsupportive island with lost brokers. IMB goes the extra mile to make sure their brokers are supported and provide the next level technology for any broker to succeed.
If you are reading reviews to justify your transition or make the move, you will not regret your move. Ryan and Nathan work extremely hard to make IMB your last home.
Chris ★★★★★ June 2024
I will say joining Independent Mortgage Brokers has been one of the best choices I have made in my mortgage career. Coming from the the direct lender world to broker was definitely a leap of faith, and IMB has not disappointed. The ease of working with Ryan and the team, the fantastic loan options, … More and the ability to choose what is best for clients has been nothing but mind blowing.
Thanks for bringing me on and I am very happy to be hear.
Dawn ★★★★★ August 2024
The team at Independent Mortgage Brokers is phenomenal. As a Wholesale Mortgage Lender, I work with a lot of mortgage brokers and the team at IMB is top notch. Always looking out for their borrowers while working closely and professionally with my team. I highly recommend them!!
Jason ★★★★★ June 2024
I joined IMB 7 months ago and it's been great! I was a retail LO for my entire career before deciding to move to the broker side. I have always been hesitant to become a broker because I was told there is no support and you have no control of your loans. As a control freak, this was enough for … More me to stay on the retail side. Thankfully at IMB neither of these things are accurate and could not be further from my experience. First off I feel I have more control of my loans because I decide where to send each loan. I have built relationships with my lenders and everyone has been great helping me learn the process. As far as support, the team at IMB are always available to help out. The group of brokers we have are also open and willing to share their ideas and best practices to help everyone grow and get better everyday. The only thing I would have done differently is I should have made the move sooner!
Kim ★★★★★ October 2024
I can't say enough good things about Independent Mortgage Brokers (IMB)! Their processes are streamlined and efficient, making it easy to stay on top of everything. The continuous updates on investor guidelines and communication are incredibly helpful, ensuring we’re always informed.
What stands … More out the most is the fantastic rates we can offer our clients, which really sets us apart. The owners are not only knowledgeable but also provide valuable insights that elevate our work. Communication is always fair and transparent, fostering a great team environment.
Highly recommend IMB for anyone looking to excel in the mortgage industry!
Seth ★★★★★ June 2024
I was a retail lender for about 13 years and I was always hesitant to join the broker world. I have now been with Independent mortgage brokers for a little over 6 months and I have been absolutely blown away at the efficiency, speed, and support that Independent Mortgage Brokers provides. The transition … More was super smooth & easy, and I have so many resources available to help me succeed. The online portal alone offers transparency on who the best lenders are, which lenders offer the best turn times, account executive contact information, and a ton of calculators/tools. Additionally, IMB has secured discounted pricing with outside venders that help loan officers succeed and build their business. The leadership team has the right vision, the culture is one of collaboration, and I can honestly say that the move to IMB has absolutely helped me grow my business. I highly encourage you to check them out if you're considering a move in your loan officer career.
Mackenzie ★★★★★ August 2024
Team Sweetin loves working with Independent Mortgage Brokers. Their knowledge and expertise throughout the process is unmatched. Whether you are a first time home buyer, investor, or a savvy buyer, I would urge you to contact them today! They are highly skilled at what they do.
Scott ★★★★★ June 2024
As a 20+ year veteran of the mortgage industry, I have. been both a mortgage broker and a direct lender. There is no right or wrong choice, but there are huge differences. I spent most of my career as a mortgage broker because I enjoyed the lower rates, more control over the process, and support system … More that you don't always get working with a bunch of other loan officers at a big company. If you are a loan officer, and have been thinking about making a move from retail to being more independent, competitive, and flexible, I highly recommend meeting Ryan, Nathan, or Seth over at Independent Mortgage Brokers.
Sarah ★★★★★ June 2024
As a broker with IMB Independent Mortgage Brokers, I can attest that joining this exceptional team has been one of the most rewarding decisions of my career. IMB offers an unparalleled professional environment that not only supports your growth but also elevates your potential to new heights.
From day … More one, IMB's commitment to broker success is evident. The extensive training programs and continuous professional development opportunities they provide are second to none. These resources ensure that every broker, regardless of their experience level, is equipped with the latest market insights and industry best practices. The result? You feel confident, knowledgeable, and ready to tackle any challenge.
One of the standout aspects of working with IMB is the access to an incredibly diverse portfolio of mortgage products. This diversity allows you to cater to a wide range of client needs, from first-time homebuyers to seasoned property investors. Having such a robust selection at your fingertips not only enhances your ability to close deals but also helps you build strong, lasting relationships with clients.
The support system at IMB is phenomenal. The team is always ready to assist, whether you need help with a complex case or simply have a quick question. This culture of collaboration and mutual support creates a positive, energizing work environment where brokers can thrive. The management team is approachable and genuinely invested in your success, making you feel valued and respected.
IMB's investment in technology is another significant advantage. Their cutting-edge platforms streamline the mortgage application process, making it more efficient and user-friendly. This tech-forward approach not only saves time but also enhances client satisfaction, as it allows you to provide a seamless and hassle-free experience.
Moreover, IMB places a strong emphasis on communication and transparency. They keep brokers well-informed about industry trends, regulatory changes, and company updates. This openness fosters a sense of trust and community, making you feel like a vital part of the organization.
The company culture at IMB is truly special. It's a place where professional excellence meets a supportive, friendly atmosphere. You'll find yourself surrounded by driven, like-minded professionals who are all committed to helping each other succeed. This camaraderie and team spirit make coming to work a pleasure.
If you’re considering a career move or looking to join a company that genuinely cares about your professional development and success, I wholeheartedly recommend IMB Independent Mortgage Brokers. Here, you’ll find the perfect blend of opportunity, support, and innovation that will propel your career to new heights. Join us, and become part of a dynamic team that’s leading the way in the mortgage industry.
Ryan ★★★★★ June 2024
I've been with Independent Mortgage Brokers since the beginning and can only echo what I've read in other reviews with support and service. As I've talked to account executives who have multiple accounts, the consistent feedback is that this is one they will not give up b/c of the people … More and the culture. It's great to have the internal support but having the external support like that also makes a big difference!
Murph ★★★★★ March 2024
I can not say enough great things about IMB. My team and I left the retail mortgage world at the end of 2023 and were lucky enough to find IMB for our broker platform. Ryan and his team are incredible and have build a broker platform that is the best in the business. Ryan only hires experienced loan … More officers and the banks that he has teamed up with our the best in the business.
Andrea ★★★★★ June 2024
Why did we wait so long? After being on the retail side for nearly 2 decades, my team decided to jump into the broker world. I feel so blessed to have found IMB. The support they offer is tremendous and they made the transition easy. Being able to work directly with wholesale lenders has been a game … More changer for us. Thank you IMB!
Caitlin ★★★★★ June 2024
I cannot say enough great things about Ryan and all of the team members at IMB. I moved over from the correspondent lending side after 12 years, and wish that I would have made the change sooner. Everything that I was told during the discovery process before I decided to make the change was accurate. … More Ryan and the folks at IMB really go above and beyond to make the transition for new LO's easy, and they provide all of the essential resources to get your business up and running quickly. Everyone is also very willing to share ideas and help one another out which is not something you see with every company, especially within the independent mortgage broker community. I highly recommend IMB!
Tyler ★★★★★ March 2024
Our team took a leap of faith leaving the retail lending world (all we had ever known) to join IMB -- Ryan promised we would have support and systems to make the transition as smooth as possible, and he has held true to that from day 1. Moving to IMB has been the best decision of my professional career … More -- Ryan and the team at IMB build their company right, merging the competitive rates of the broker world with the support and systems of the retail world. In the 6 months since leaving retail I have already broke my own record for highest month of loan volume, have won deals in competitive scenarios that I wouldnt have even had a shot at previously, and earned more trust and referral partners from agents and clients by offering the same great service with the most competitive rates on the market. If you are thinking of making the switch to IMB, do it. Your future you (and your future clients & partners) will thank you.
JOE ★★★★★ March 2024
IMB is the best Mortgage Broker Platform out there!!! They offer great rates and great service and unreal communication, but most importantly they follow through and you close on time! If your looking for a place to Originate Home Loans, this is the best option out there. You have the ability to offer … More your clients the best rates, service, and process all for lower fees....It's a no brainer!
Vanessa ★★★★★ March 2024
When I decided to switch to the broker side from retail, I interviewed many companies. I was so impressed by the support I was offered (and given) here that it made my transition smooth! If you are an LO looking to make a change, I highly recommend this company as it blends the broker and retail world … More quite nicely!
Angela ★★★★★ January 2023
IMB made the transition from the banking side of lending to the broker side easy, comfortable and supportive. They are always available when we have questions, or need help with difficult loan scenarios. It's wonderful to be able to offer our clients competitive rates and to have a higher compensation … More on each loan. We are able to provide exceptional customer service to our clients, which is our top priority, with the support and success from IMB.
Brent ★★★★★ March 2024
I came from the correspondent lending side and have been so happy with the switch to IMB. The people here really care and they do whatever it takes to keep clients happy and deals on track.
Mike ★★★★★ February 2023
A year ago, I joined IMB. Ryan and his team gave me the confidence to jump from the mortgage banking world to the broker side. Now I am in control of my future. I COULD not be happier with the results.
Brock ★★★★★ November 2022
My partner and I opened our brokerage under IMB about one year ago today - this was the best decision we could have made.The reason that we made the jump was to be more competitive in a rising rate environment (we certainly have been that, as our clients can attest), but the thing that we've found … More is that there is an excellent team spearheading this operation that goes above and beyond for all LO's onboard.Ryan, Ryan, Nathan & Nathan have done so much to ensure that we are supported - introducing us to all of our lender contacts, giving us best practice advice for those of us new to the broker world, and literally being a phone call away to ensure that any questions we have are answered.LO's tend to think of the broker world as more risky - with fees added in for borrowers and LO's alike, but the fact is, there is very low fees here, which is instantly offset by the massive amount of growth you'll experience working with IMB.If you've been getting shopped on all of your deals, and are considering a jump to the broker end of the business, there's absolutely no better way to go than through IMB. Win more deals, make your realtors happier, and work with an excellent team.

Ready. Set. Propel

IMB™ provides MLOs with a turnkey, all-inclusive platform to operate under a DBA of your choosing, licensed to IMB™.

IMB™ frees you up to focus on what you do best, selling loans, by handling logistics such as payroll and compliance reports. As well, IMB™ works closely with Summit Processing, which can handle the processing of your home loans.

IMB™ offers mortgage brokers all the resources they need to get started — from getting your mortgage broker license to picking your DBA business name.

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What’s Included

No Middleman

Eliminate the Big Banks and Enjoy Higher Profitability.

It’s a win/win situation. You can cut out big banks with their excessive levels of management and instead get massive support for your DBA business licensed to IMB™. As an independent mortgage broker with IMB™, you get a flat-rate pricing model, so you can enjoy unlimited earning potential and pass significant savings on to your borrowers.

Tap into wholesale mortgage broker pricing without the big bank margins that drive higher rates.

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Compensation