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2020
6-Jan-26-2022-06-02-07-43-PM
1-Jan-26-2022-06-02-07-16-PM
Top Origginators
Award 8
12-Jun-24-2022-11-13-32-47-AM
Award 6

Comparison: Non-Delegated Correspondent vs. Broker vs. Direct Lender

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.

Why Tag Lending Group?

 
Wholesale Mortgage Company
 
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.

 
 
💡 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)
 

 

 

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