Surest Loans · NMLS #2640412 · CA DFPI Licensed · Equal Housing Lender
(213) 867-4223 Mon–Fri 8am–6pm PT
For California loan officers

90% of every
loan you close.

No minimums. No volume penalties. Just a clean 90/10 split, dedicated in-house processing, and wholesale lender access — so you can focus entirely on origination.

CA DFPI Licensed
NMLS #2640412
Equal Housing Lender
Respond within 1 business day
Standard compensation
Simple. Transparent.
No fine print. One structure for everyone.
MLO split 90%
Brokerage split 10%
Platform fee $495 / loan
Processing fee $599 / loan
Production minimums None
Business-purpose loans MLO keeps everything above 0.50%
All loans Negotiable case by case
Apply to join →
90%
MLO split on every loan
$0
Production minimums or volume penalties
24hr
Pre-approval turnaround — clean file SLA
CA
DFPI licensed & attorney-built compliance

See exactly what you keep.

At a 90/10 split, the numbers are straightforward. Here is what a typical California loan looks like on the Surest Loans platform versus a standard retail or split-heavy brokerage.

Example: $700,000 loan • 2.75% lender-paid comp
Gross compensation $19,250
Brokerage (10%) −$1,925
Platform fee −$495
Processing fee −$599
Your take-home $16,231

Platform fee $495 + processing fee $599 deducted per loan. No self-processing required — in-house processor handles your files.

No clawbacks. No ratchets.

Your first loan pays the same 90% as your twentieth. There is no waiting period, no performance ramp, no surprises.

Business-purpose loans.

DSCR, bridge, and investment loans: you keep everything above 0.50% of the funded loan amount. No cap, no cap raise required.

All loans negotiable.

Every deal is reviewed on its own terms. If a loan warrants a different split arrangement, we will discuss it.

Run your own numbers.

Move the sliders to see your estimated monthly take-home at Surest Loans. Based on 2.75% lender-paid comp and a 90/10 split.

Estimates are based on standard 2.75% lender-paid compensation. Individual loans may vary. All figures are illustrative and not guaranteed.
Monthly income estimate — 90/10 split
Gross comp (2.75%) $66,000
Brokerage (10%) −$6,600
Platform fee ($495 × loans) −$1,980
Processing fee ($599 × loans) −$2,396
Your monthly take-home $57,420
Platform fee $495 + processing fee $599 deducted per loan. Estimates only — actual comp may vary.

Built for originators,
not administrators.

Arive LOS

Full-featured loan origination system with multi-lender pricing, AUS integration, and borrower-facing portal. No additional software cost.

Dedicated processing

In-house processor handles your files from submission to CTC. You originate — we handle the paperwork. Processing fee of $599 per loan. No self-processing, no splits with an outside processor.

Wholesale lender access

Pennymac TPO, RISE, AD Mortgage and more. Conventional, FHA, VA, jumbo, Non-QM, and DSCR programs — access to the lenders top producers need.

Attorney-built compliance

Surest Loans was built by a California-licensed attorney. Every SLA, disclosure workflow, and compliance checkpoint was designed from day one — not retrofitted.

24-hour pre-approval SLA

Clean file submitted by 3pm PT is reviewed same day. Pre-approval letters out within 24 hours. Your borrowers get the speed they expect — and so do you.

1099 independence

You are an independent contractor. Set your own schedule, manage your own pipeline, build your own book. Surest Loans provides the infrastructure — you own your relationships.

What you're leaving behind.
What you're walking into.

Where most LOs are now

The old model is costing you more than you think.

  • 70/30 or worse split — brokerage keeps 30 cents of every dollar you earn
  • Retail lenders limiting your product access and pricing
  • Self-processing your own files on top of originating
  • Volume minimums, tiered comp, and penalties for slow months
  • No clear path to build your own book of business
Surest Loans

A platform built for producers who want to own their business.

  • 90/10 split — you keep 90% of every loan, from day one
  • Wholesale lender access — rates your retail competitors can't match
  • In-house processing included — you originate, we handle the rest
  • No minimums, no penalties — ever
  • 1099 independence — your clients, your relationships, your business

The programs your borrowers need.

Wholesale pricing across conventional, government, jumbo, Non-QM, and DSCR programs.

Pennymac TPO
RISE TPO
AD Mortgage
Conventional / Conforming
FHA & VA
Jumbo
Non-QM
DSCR / Investment
Bank Statement
Bridge Lending

Ready to keep 90%?

Tell us about yourself. Someone from our team follows up within one business day to walk you through the platform, NMLS sponsorship transfer, and your first file.

Your information is encrypted and never sold. By submitting you consent to be contacted by a licensed Surest Loans representative.

Application received, there.

Someone from our team will reach you within 1 business day to walk you through next steps.

Can't wait? Call (213) 867-4223

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