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UMortgage launched a new flat-fee model for mortgage brokers on February 23, 2026, aiming to capitalize on a growing trend toward third-party origination and expand its loan officer base.
The new structure offers brokers 275 basis points on each loan funded, alongside a $995 platform fee, a $300 closing quality control fee, and a 10% payroll and administration tax, according to a company statement. UMortgage is likewise capping its corporate margin at $49,750 annually. Once a broker funds 50 loans within their anniversary year, the $995 platform fee is waived for the remainder of that period.
The move reflects a broader shift in the mortgage industry, with the broker channel experiencing significant growth while traditional lenders face headwinds. A HousingWire study cited by UMortgage found the broker channel grew by 12.5% in 2025, while mortgage bankers and retail lenders decreased headcount by 11.7% over the same period.
“UMortgage is introducing our new broker model since we’re finally built for scale,” said Anthony Casa, UMortgage President & CEO. “We’ve spent the last five years building our business and dialing in our systems to be able to scale our platform, and the broker model is best for consumers and best for loan originators.”
The company intends to recruit 1,000 loan officers by the end of 2026, according to HousingWire, and is offering a $500-per-loan recruiting incentive, capped at $25,000. Loan officers who recruit another originator producing 36 loans annually would receive $18,000, funded from corporate margins.
Central to the new model is Tempo, UMortgage’s proprietary CRM platform designed specifically for brokers. Tempo provides a centralized hub for pipeline management, automated communication, and relationship building, streamlining workflow and reducing the need for multiple applications, the company stated.
UMortgage plans to host a series of GoBroker workshops and webinars starting in March to support adoption of the new model and provide brokers with direct access to company representatives.
The flat-fee structure is designed to offer transparency and predictability in compensation, differentiating UMortgage from platforms relying on commission splits, Casa told HousingWire. The company is also implementing an annual corporate margin cap of $49,750 – equivalent to 50 units multiplied by the $995 fee – after which 100% of the revenue remains with the loan officer.