Feature | Mortgage Broker | Non-Delegated Correspondent Tag Lending Group |
Direct Lender | Savings or Net Profit |
---|---|---|---|---|
Pricing Control | No control. “What you see is what you get, based on the company Margins. | Full control. Build fees into pricing, waive with exceptions, still beat broker/direct rates. | Limited control. Margin baked into rate to cover W-2 staff & overhead, expenses and the list goes on. Branch Model Margins are usually 1.5% higher on rates | Typically 40 BPS better than brokers or Up to 150 BPS better than direct lenders, depending on program and investor. |
Investor Access | Limited broker agreements. | 60+ investors → wide “sandbox” of products, while still maintaining control of fulfillment.s, still beat broker/direct rates. | One in-house product = “vanilla ice cream, with no other flavors.” |
More choices = more closings. Brokers/Directs lose deals due to lack of options. |
DSCR Loans | Capped margins. | Mortgage Loan Originators have the opportunity to earn up to a 4.5% company margin, with 70% of net proceeds paid out. Compensation is reviewed quarterly to ensure it aligns with our Company Pricing Policy and remains fully compliant with all federal and state regulations. Adjustments (upward or downward) may be made as needed to maintain compliance. | Limited flexibility, capped structures. | TAG MLOs/Branch Models earn 2–3x more per DSCR deal than Brokers/Directs. |
Processing | Processor assigned, no transparency. | 7 contract processing companies (multi-lingual), scored like Google reviews so you know who performs best, on turnaround times, or is at loan capicity. | W-2 processors; fixed costs. "Dealing with compbative, attitudes" | Lower ops costs = MLOs/Branch keep more margin at TAG. |
Underwriting | Dependent on lender partner. | Internal pre-underwriter (TBDs) + contract underwriting company for fulfillment. Optional fee only if loan closes. "FULL CONTROL" | In-house bottleneck. | Faster clears = save time = money. No Salary = No Higher Rates! |
Closing Speed | Dependent on investor timelines. | Automated system closes in <14 days. | Slow due to staff bottlenecks. | Faster closings mean more volume per MLO → higher income. |
Compensation | Typically capped at 275 BPS. | "Compliant Version:180 BPS on self-generated business100 BPS on company-provided (co-op) leads70% of net proceeds on DSCR and commercial loansCompensation is tied to loan amounts in accordance with our Company Compensation & Pricing Policy. All structures are reviewed regularly to ensure compliance with federal and state regulations, including Loan Originator Compensation Rule (LO Comp Rule)." | ~150 BPS or less. | TAG = +25–125 BPS more per loan vs Broker/Direct. |
Expenses | Pay per file. No bundled tech, Garnish 10-20% of Gross Profit | $299/mo tech fee includes HubSpot Pro, LOS, Box, Slack Pro, 24/7 Virtual Assistant support, etc. | Rates padded to cover salaries + overhead. | Brokers pay à la carte, Directs lose margin → TAG saves hundreds per file + fixed low fee. |
Automation & Tech | Limited CRM/automation, IF ANY? Most Brokers just start an LLC with no Entrepreneurialship skills to simply make a higher comp! ZERO STRUCTURE | AI bots (1,800 calls/min), HubSpot CRM/CMS, auto-text/video/email, Playbooks, Box integration. The system is Frankestein, " IT'S ALIVE"! | Legacy LOS/manual workflows, you are paying for a system you do not use. Company owns your data! | TAG automation cuts man-hours by 60%+ = more closings per LO. "Your DATA is YOUR 401K" |
Realtor/Client Support | Limited co-marketing, IF ANY? | Full Realtor portfolio, co-branded flyers, 24/7 VA support, instant updates to all parties. Text Messages Going Out Every Week On Your Behalf! | Basic co-branding, Asking Legal For Permission! | TAG = better Realtor retention & referrals = $$$ in repeat deals. |
Credit/Operations | NO Operations OR Control! | Company credit card ($500/mo) + comp adjustments tied to performance. | W-2 overhead eats margin. | TAG = direct savings to LO pocket. |
State Licensing & Reach | Often limited to 1-2 states. | Licensed in 11 states (Lender: FL, SC, TN, TX, GA, MI, NM; Broker: NJ, NC, CT, PA | Restricted to branch footprint | TAG= Immedita muti-state expansion without extra costs. |
Branch Model | Broker shops capped at 2.75% comp. How can you grow being Capped? | Pure 1099 branch DBAs under TAG. Flat 300 BPS, SRP flows to branch not lender. “Licensing varies by state. Tag Lending Group, LLC is licensed as a Mortgage Lender in FL, SC, TN, TX, GA, and MI; and as a Mortgage Broker in NJ, NC, CT, and PA. Not all programs available in all states.” | Branch nets compressed by 5+ point spreads to the lender making all of the money, hence higher rates! | Branch managers at TAG double their take-home vs Directs. |
Product Flexibility | Limited based on partner investors. | Full suite: FHA down to 500, No-Doc, Bank Statement, Crypto, Foreign National, Jumbo ($100M+), Reverse, Renovation, Construction, DSCR, Fix & Flip, Bridge, Commercial. | Only what their in-house UW allows. | TAG = more approvals → more closed deals → more money. |
Scaling & Training Support | No training/playbooks. Learn as you go. | Built-in LMS + Playbooks for MLO onboarding, Arive + HubSpot integration, pre-underwrite TBDs. | Must rely on internal corporate training. | TAG = scale your team faster without wasting time/money on training. |
Marketing & Realtor Support | Minimal co-branding. | Tag Team Nation: HubSpot CMS, co-branded flyers, open house marketing, Google Ads, certified HubSpot/CRM partner. CEO Anthony Angelillo Will Help You Land ANY Account! | Basic flyers + email drip. | TAG = done-for-you marketing saves $$$ and grows your Realtor base. |
Proven Track Record | Dependent on broker partner’s reputation. | $100M+ closed in 12 months, CEO funded $2.3B career-to-date, 300+ Realtor partners, NAMB & HubSpot partner, Google Ads Certified. | Direct lender volume but at higher cost. | TAG credibility = recruits + clients trust faster → you scale faster. |
At Tag Lending Group, we're more than a mortgage company, we're a movement. Our Proprietary AI Mortgage Solutions Roadmap to Homeownership™ delivers borrowers and Realtors a powerful, fully automated, and strategic plan tailored to every scenario.
AI-Powered Clarity: Our advanced Artificial Intelligence provides direction, while licensed MLOs guide every step.
Same-Day Approvals
Close in as little as 14 Days
Access to Multiple Investors & Loan Options
Very Competitive Interest Rates
Unique Programs (500 Credit Score, No Doc, Crypto, etc.)
Let’s TAG TEAM This Deal™
Tag Lending Group equips Loan Officers and Net Branches with:
High Payouts/Splits – among the best in the industry
Choose Your Underwriter – Pre-approval support at your fingertips
Select Your Processor – Focus on sales while we handle the backend
Onboarding without LMS friction – Get up to speed fast
Philippines-based live support – Real people, real-time, round the clock
Marketing via Tag Team Nation – VAs to boost your brand and clean up your CRM
Certified HubSpot CMS/CRM Support – Plug & play systems for rapid growth
AI Hiring Forms for accurate MLO onboarding
QuickBooks & ADP Support – Virtual assistants manage the back office
No need to spend on ops – We’ve "Automated That"
Fully automated marketing workflows (email, SMS, video, voice)
AI-driven lead and Realtor intake forms that score, sort, and streamline
Dedicated websites, apps, Slack channels, and CRMs for each MLO
HubSpot portals for each branch (your data = your asset)
Certified HubSpot Partners – We build high-converting CMS/CRM systems that generate leads, drive automation, and scale your brand using advanced AI tools.
Arive LOS Integration – End-to-end mortgage origination efficiency
Slack Channels – For real-time collaboration, file flow, and support
Box Cloud Storage – Secure file management and borrower document sharing
Turn-key campaigns ready on Day 1
Social Media & Content Management
Email drip marketing & automation
HubSpot CMS – if you dream it, we can automate it!
We offer a complete suite of residential and commercial mortgage solutions, including:
Conventional Loans
FHA Loans (including down to 500 credit score)
VA Loans (including No Escrow options)
USDA Loans
Jumbo Loans (Fixed & ARM, including No MI options, up to 100 Million)
Fannie Mae & Freddie Mac Conforming Loans
Renovation Loans (FHA 203k, Fannie Mae Homestyle)
Foreign National Programs
Construction Loans (including One-Time Close options)
Bank Statement Loans (for self-employed borrowers)
Asset Depletion Programs
Investor No Ratio / No DOC Loans
DSCR Loans
Hard Money / Bridge Loans
Fix & Flip Loans
Reverse Mortgages
Commercial Real Estate Loans
Mixed-Use and Multi-Family Programs
Crypto-Backed Lending Options
We are constantly expanding our product catalog through our diverse investor network to ensure our clients and partners have the best financing options available.
Stop losing deals to rates and red tape
We pre-qual, gather docs, and push data into LOS & CRM
Underwriter Assist and commission-driven processors handle the rest
True A-to-Z file flow. Submit a purchase contract, then go get another deal.
Highest LO splits in the biz – "We Automated That"
No cost for HR, accounting, or operations – "We Automated That"
Insurance revenue & retirement payouts
Continue earning even after you retire
Lead Realtors/Borrowers to AI intake form
Data enters HubSpot CMS and LOS automatically
Processing takes over after Underwriter Assist
You close more deals, not chase conditions
Licensed in 10 states (FL, SC, TN, TX, GA, MI, PA, CT, NC, NJ)
Closed over $ 100M+ in volume in the last 12 months
Built a proprietary Road Map to Home Ownership™ strategy
Developed an AI-backed pre-underwriting and processing model
Partnered with over 300+ realtors and financial professionals
Our CEO, Anthony Angelillo, has personally closed over $2.3 Billion in funded loans over his career
We believe in building a company culture where people thrive. Our team is full of:
Entrepreneurs
Fitness junkies
Clean Eating (Clear Mind)
Digital creators
Life learners
Member – National Association of Mortgage Brokers (NAMB)
Partner – HubSpot Solutions Program
Member – South Florida Mortgage Bankers Association
Certified – Google Ads Partner (Tag Team Nation, LLC)
Established in 2021 | Proudly helping clients navigate homeownership for 4+ years and counting
Must be a licensed Mortgage Loan Originator (NMLS)
Tag Lending Group offers a range of benefits designed to support your health, financial security, and peace of mind. All benefits are provided through group policies.
Please note: the company does not provide employer contributions or matching at this time.
Medical, Dental, and Vision Insurance
Life Insurance
Let’s TAG TEAM Your Database. Let’s TAG TEAM This Deal™.