Build your numbers

What would your business look like?

Pick your path, then change any number on the page to match your own assumptions: comp split, lead vendors, budget, costs. The model updates live so you can see your costs and profit.

I'm a solo loan officer

Not on a branch. Model your own production: what you spend on leads, what you fund, and what you take home after EMC's 15%.

Build my solo LO model →

I'm a branch manager

Model a branch you run: your team, the leads you fund for them, your override, and your branch profit as you scale.

Build my branch model →

Every figure is illustrative and fully editable. Nothing here is a guarantee of income.

Lead sources & budget split your budget across them

Lead source	Monthly budget	$/lead	Cost / fund	Conversion %	Avg comm

Commission split

How each commission dollar is split. EMC's cut is applied in the P&L below.

Loan officer split What the producing LO keeps

Branch override The remainder, auto-calculated

The LO split is too high. There's nothing left for the branch override. Lower it.

Costs

Seat cost Tech, CRM, phone (per person, per month)

$/mo

Results

Where every commission dollar goes

Your monthly P&L