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Pricing & Compensation

Compare Your Loan Pricing With IMB™

See what broker independence could mean for your income.
180–185 bps
Typical IMB™ LO compensation
~0.50 percent
Lower in rate than many captive mortgage bankers

    Get Temporary LoanSifter Access

    Kari Buffington will email your access details. No commitment.

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    Loan Sifter Access

      Get Temporary LoanSifter Access

      Kari Buffington will email your access details. No commitment.


      Compensation

      Strong Compensation Structure

      IMB™ LOs commonly average ~180–185 bps (based on average loan amount and production). Retail/captive comp often lands around ~90–135 bps with decent rates. That means IMB™ comp is frequently 50%+ higher, and pricing is typically ~0.50% lower than many captive mortgage bankers.

      IMB™ has one of the most competitive pay structures in the industry. Please reach out for details.
      Lender-Paid Compensation
      Our lender-paid compensation is consistent across all our partners and strategically capped at a percentage and dollar amount that ensures our LOs are well-compensated while keeping our rates highly competitive, so we’re rarely shopped around. Other brokers set their comp and commission cap too high and that reduces the percentage of deals you can make the higher commission. This keeps our rates on larger loans more competitive and allows us to win deals over other brokers, credit unions, and FDICs.
      Borrower-Paid Compensation
      Borrower paid compensation is available. The compensation comes from the borrower in the form of an origination fee. Typical origination fees range from $3,995-$6,995. Typically reduces the rate .25-.375 from lender paid compensation. The origination fee is usually offset with a lender credit to reduce the cash to close.
      Preferred Pricing and Perks
      Preferred pricing and perks from many of our lenders based upon the volume we close. Pricing can be improved by 10-15 bps. Other perks include free lock extension days, rushed condition reviews, assigned underwriters, etc.
      Inclusions

      Tech Included in Your Monthly Fee

      Flat monthly fee goes to IMB™ for ARIVE, LoanSifter, IMB™ Portal, Compliance, Payroll, and access to our network of approved lenders and vendors.

      ARIVE

      LoanSifter

      IMB™ Portal

      Compliance

      Payroll

      Lenders & Vendors

      Real LOs, Real Numbers.

      Tyler Deines, DBA North Suburban Mortgage

      Tyler Deines

      DBA North Suburban Mortgage

      “Switching from retail to broker was scary, but I knew it was what was best for my business, my realtors, but most importantly my clients.”

      $15.8M
      Before IMB™
      →
      $32.7M
      First Year at IMB™
      +107%
      Loan Volume

      With IMB™ since Nov. 2023. Individual results vary.

      Chris Burgess

      Chris Burgess

      DBA Mile-High Mortgage

      “With IMB™ I have every loan available to me and I literally didn’t lose a loan because we have the best pricing as well as almost every loan option on the market.”

      2×
      Income

      In his first year at IMB™ compared with his prior company.

      With IMB™ since Jan. 2024. Individual results vary.

      IMB™ Loan Officer

      Shared anonymously

      “At IMB, I’m able to retain more of those clients and give them the kind of financing options they deserved in the first place.”

      #2
      Producer

      By her second month at IMB™—when she reported the biggest month of her career.

      September 2026 testimonial. Individual results vary.

      Tyler Deines, DBA North Suburban Mortgage

      Tyler Deines

      DBA North Suburban Mortgage

      “Switching from retail to broker was scary, but I knew it was what was best for my business, my realtors, but most importantly my clients.”

      $15.8M
      Before IMB™
      →
      $32.7M
      First Year at IMB™
      +107%
      Loan Volume

      With IMB™ since Nov. 2023. Individual results vary.

      Chris Burgess

      Chris Burgess

      DBA Mile-High Mortgage

      “With IMB™ I have every loan available to me and I literally didn’t lose a loan because we have the best pricing as well as almost every loan option on the market.”

      2×
      Income

      In his first year at IMB™ compared with his prior company.

      With IMB™ since Jan. 2024. Individual results vary.

      IMB™ Loan Officer

      Shared anonymously

      “At IMB, I’m able to retain more of those clients and give them the kind of financing options they deserved in the first place.”

      #2
      Producer

      By her second month at IMB™—when she reported the biggest month of her career.

      September 2026 testimonial. Individual results vary.

        Compare

        Live Lender Pricing

        Get a quick look inside LoanSifter—the same internal platform IMB™ loan officers use to shop lenders and price loans. In a few minutes, you can benchmark your current setup against IMB™’s live lender pricing and options.

        • View live lender pricing + options
        • Compare against your current comp/pricing
        • No Commitment. Request is confidential.
        Request LoanSifter Access

          Get Temporary LoanSifter Access

          Kari Buffington will email your access details. No commitment.

          Kari Buffington will email your access details. No commitment.

          FAQs

          What does LoanSifter access include?
          Temporary, read-only access inside LoanSifter to view IMB™’s lender pricing and options.
          How will I receive my login?
          Submit your email and Kari Buffington will email your temporary LoanSifter login, along with its expiration date. Access is emailed manually, so it is not immediate.
          Will someone call me?
          No—unless you request a conversation.
          How long does access last?
          Access is temporary, and the duration changes monthly based on the current access window. Your pass will expire automatically—we’ll include the exact expiration date in the email with your credentials.

          Ready to Compare Your Current Setup?

          See how IMB™ stacks up on pricing, support and what you keep so you can make the move with confidence.
          Request LoanSifter Access

            Get Temporary LoanSifter Access

            Kari Buffington will email your access details. No commitment.

            Kari Buffington will email your access details. No commitment.