Bank or Broker: Complete Control Over Your Mortgage Business Model

In the mortgage industry, having control over your business model is a critical advantage. With the Peoples Bank P&L platform, you don’t have to choose between banking or brokering loans—you have the flexibility to do both. Whether you prefer to bank loans in-house for increased profitability or broker them out to maximize compensation, the decision is entirely yours. This level of control allows you to tailor your approach to your clients’ needs and your business goals, setting you apart in the competitive mortgage market.

The Freedom to Choose: Bank or Broker

Empowering your office with the ability to bank or broker loans provides unmatched flexibility. Here’s how each model works and the benefits they bring:

1. Bank Loans In-House

Banking loans internally allows you to:

1. Set Your Own Margins: Decide your profit margins based on market conditions and business strategy.
2. Charge Additional Origination Fees: Generate extra revenue with origination fees that go directly to your business.
3. Control the Process: Keep the entire loan process under your roof, ensuring a seamless experience for your clients.

This model is ideal for maintaining full control and maximizing revenue per transaction.

2. Broker Loans to Investors

When brokering loans, you can:

1. Maximize Compensation: Earn up to 275 basis points on brokered deals, providing significant income potential.
2. Work Without Restrictions: Enjoy complete freedom to choose from a network of investors, ensuring the best fit for your clients’ needs.
3. Offer More Options: Access a diverse array of loan products that cater to a wide range of borrower profiles.

Brokering allows you to deliver competitive solutions while earning top-tier compensation, even on deals that might not fit traditional banking criteria.

The Benefits of a Dual-Model Approach

Combining banking and brokering capabilities enables your business to:

1. Adapt to Any Market

Different markets demand different approaches. In a competitive landscape, being able to switch seamlessly between banking and brokering gives you an edge. Whether it’s a straightforward loan you can bank or a unique scenario requiring brokering, you’re ready for any opportunity.

2. Increase Revenue Streams

With the dual model, you can diversify your income sources. Banked loans provide steady profits, while brokered loans offer higher per-deal compensation. This balance ensures consistent growth regardless of market fluctuations.

3. Build Client Loyalty

By offering flexible solutions tailored to individual needs, you enhance your value to clients. Whether they need a quick in-house loan or a specialized product from an investor, you’re equipped to deliver, earning their trust and referrals.

Maximizing Your Competitive Edge

Peoples Bank’s platform puts you in the driver’s seat of your business. Here’s how the control to bank or broker elevates your competitive position:

1. Attract More Clients: Offer a wider range of loan options and personalized solutions that your competitors can’t match.
2. Strengthen Referral Partnerships: Realtors and financial advisors prefer working with mortgage professionals who can consistently deliver.
3. Enhance Efficiency: Choose the model that best fits each loan scenario, optimizing your workflow and increasing client satisfaction.

Why Flexibility Matters for Your Business

Flexibility isn’t just a luxury—it’s a necessity in today’s dynamic mortgage market. The ability to decide how you handle each loan empowers you to:

1. Stay agile in changing market conditions.
2. Grow your revenue through strategic decision-making.
3. Offer a superior experience that keeps clients and referral partners coming back.

Take Control of Your Business Today

With Peoples Bank’s P&L platform, you gain the freedom to bank or broker loans based on what’s best for your business and your clients. This unparalleled flexibility allows you to build a scalable, profitable mortgage operation without restrictions.