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. |
💡 Value Proposition | AI-Powered Clarity: AI + licensed MLO guidance Same-Day Approvals Close in as little as 14 Days Multiple Investors & Loan Options Very Competitive Interest Rates Unique Programs (500 Credit Score, No Doc, Crypto, etc.) |
🚀 What Sets Us Apart | Workflow for LOs & Branches: High Payouts/Splits (top in industry) Choose Your Underwriter Select Your Processor Fast Onboarding (no LMS friction) 24/7 Global Support: Philippines-based live support Marketing via Tag Team Nation (VAs, CRM cleanup) Certified HubSpot CMS/CRM support |
🤝 HR, Payroll & Accounting | AI Hiring Forms QuickBooks & ADP Support VAs manage back office No operations costs → “We Automated That” |
🔌 Tech Stack | Automated marketing workflows (email, SMS, video, voice) AI-driven intake forms (lead & Realtor) Dedicated websites, apps, CRMs HubSpot portals for each branch Arive LOS Integration Slack Channels for collaboration Box Cloud Storage |
📣 Marketing That Performs | Turn-key campaigns (Day 1) Social Media & Content Management Email drip automation HubSpot CMS custom automation |
🔓 Full Product Lineup | Conventional, FHA, VA, USDA, Jumbo (to $100M) Fannie Mae & Freddie Mac Renovation Loans (203k, Homestyle) Foreign National Programs Construction (OTC) Bank Statement & Asset Depletion Loans Investor No Ratio / No DOC DSCR, Hard Money, Bridge, Fix & Flip Reverse Mortgages Commercial, Mixed-Use, Multi-Family Crypto-Backed Lending |
🕒 Time Kills Deals – We Automated That | Pre-qualify, gather docs, push into LOS & CRM Underwriter Assist + commission-driven processors A-to-Z file flow = you close more deals |
💥 We Will Not Be Beat | Highest LO splits No cost HR/accounting/ops Insurance revenue & retirement payouts Earn even after retirement |
🔁 Daily Duties Simplified | Guide Realtors/Borrowers to AI intake form Data auto-enters HubSpot CMS & LOS Processing + Underwriter Assist take over LO focuses on closing more |
🧠 Achievements | Licensed in 10 states (FL, SC, TN, TX, GA, MI, PA, CT, NC, NJ) $100M+ closed last 12 months Proprietary Road Map to Homeownership™ AI pre-underwriting & processing model 300+ realtor & financial partners CEO Anthony Angelillo: $2.3B+ funded career volume |
🧩 Culture & Hobbies | Entrepreneurs • Fitness junkies • Clean eating • Digital creators • Life learners |
🏛️ Memberships | NAMB (National Association of Mortgage Brokers) HubSpot Solutions Partner South Florida Mortgage Bankers Association Google Ads Partner |
🎓 Year Started | Established 2021, 4+ years serving clients |
📈 Qualifications | Must be licensed Mortgage Loan Originator (NMLS) |
🎁 Benefits | Medical, Dental, Vision Life Insurance Group policies (no employer contributions at this time) |