For Loan Originators · 100% Confidential
Stop Building Someone Else’s Pipeline.
Same job. Radically better math. A $995 flat fee per file — no splits, no tiers — at Coast 2 Coast Mortgage — closing over $1 billion a year with 343 originators. Your brand, your client list, your book. Forever yours, even if you leave.
You’d be sponsored by Coast 2 Coast Mortgage Lending — NMLS #376205 · 343 originators · $1B+ closed annually · Voted Best of Florida 2025. Black Rock is one of its divisions; yours could be next.
If You’re On The Retail Side
Why do the exact same job for half the pay?
At a bank or retail shop: the company sets your rates (you lose deals on price), owns your clients, caps your comp, and limits your menu. You’re building equity in a brand that isn’t yours — with effort that absolutely could be.
Keep what you earn
Most of our broker comp agreements are set at 2.75%. After the $995 flat fee, the rest is yours. No house split. No tiers that reset every January.
Win on price
200+ wholesale lenders competing for your client’s loan — pricing retail simply can’t match, plus the products to say yes when the bank says no.
Own your business
Your brand. Your client list. Your referral network. We’re the infrastructure underneath you — not the landlord above you.
The Math
What would you have kept last month?
Drag your real numbers in. This is the comparison your recruiter never shows you.
Assumes comp set at 2.75% (our most common agreement) minus the $995 flat fee per file. With correspondent lending you can price without disclosing yield spread — or go borrower-paid on brokered deals. Your comp is your call.
Cash Flow Is King
You get paid every week.
No waiting on month-end commission runs — loans fund, you get paid, weekly. And on the W-2 track, business expenses are reimbursed pre-tax: client meals, out-of-pocket credit report costs, business travel, your cell phone bill. Money you’re currently paying taxes on, back in your pocket.
The Part That Makes It Sustainable
You earn more. Your clients pay less.
Here’s the question every honest banker asks: “If I make more per loan, doesn’t my client pay for it?” No — and this is the whole reason the broker model wins. With 200+ wholesale lenders competing for every file, your clients get equal or better rates than retail — on average, brokers save their clients about $10,662 over the life of the loan.
The money you both gain doesn’t come from your client. It comes from the layer that disappears: the bank’s branch overhead, the call center, the brand advertising — the margin retail builds into every rate sheet.
And that’s your flywheel: clients who got a genuinely better deal refer like crazy. Earning more while your clients win isn’t a contradiction here — it’s the business model.
Savings figure per independent analysis of federal HMDA mortgage data.
No Surprises
The honest cost sheet
You’ve been burned by “ask your recruiter” before. Here’s everything, in public:
An honest note: there are a few shops out there cheaper than $995. There are none with the level of support and dedication to your business that Coast 2 Coast provides. We’ve been on both sides — that’s why we invested in our own company.
Numbers make sense? The conversation is the easy part.
Let’s Talk — ConfidentiallySide By Side
Retail vs. a typical broker shop vs. here
| Retail / banker | Typical broker shop | Coast 2 Coast + Black Rock | |
|---|---|---|---|
| Your comp | Tiered, capped, reset yearly | Splits or per-file + monthly fees | $995 flat per file. Comp commonly set at 2.75%. |
| Pricing power | One rate sheet | Wholesale menu | 200+ wholesale lenders + correspondent panel (Freedom, PennyMac, NewRez) |
| Correspondent access | n/a — you’re captive | Rarely | Yes — close in your name, price without YSP disclosure, non-QM channels included |
| Your brand | Theirs | Sometimes | Yours — full DBA or “powered by” path. You own it if you leave. |
| Your client list | Theirs | Gray area | Yours. In writing. We don’t chase your book if you go. |
| Geographic reach | Where they say | Your licenses only | Every state we’re licensed in, via co-brokered deals (50/50 compliance split) |
| Benefits | Yes | Almost never | Optional W-2 track: medical, dental, vision, 401(k) |
| Support | Call center | You’re on your own | In-house UW experts, immediate tech support, direct line to the owner |
Heavyweight In Your Corner
Platinum StatusPlatinum with UWM — the #1 lender in America
United Wholesale Mortgage isn’t just the biggest wholesale lender — it’s the biggest lender in the country, period. Our Platinum account status puts its full arsenal behind every file you write:
A promotions calendar worth real money
UWM runs buyer incentives throughout the year — promotions like free 1% one-year rate buydowns, appraisal credits at closing, and refinance incentives. When they run, your clients get them — closing gifts your retail competitor simply can’t hand out.
No doc stamps on UWM→UWM refis
In Florida, UWM-to-UWM refinances skip the doc stamps — every day, no promotion required. Real money your client sees on the closing disclosure.
VantageScore + free credit reports
Qualify buyers on VantageScore 4.0 and run credit reports free — stop eating $100+ per file in pull costs.
Detroit training — on their dime
Get flown to UWM headquarters for an exhaustive menu of product and technology trainings. They invest in you directly.
Platinum-tier service
Priority underwriting, faster turn times, and dedicated concierge support — direct access, not a phone queue.
The Menu
Everything you can originate here
Your bank’s rate sheet has maybe six of these. Between 200+ wholesale lenders, the correspondent panel, and non-QM channels — if it can be financed, you can write it:
Stop referring deals out. Stop saying no. Every “no” your bank made you give is a commission you didn’t earn.
And Then There’s The Wild Stuff
Deals you didn’t know had a lender
Real programs, real lenders, on our list right now:
Our lender list runs 200+ deep. If it can be financed in America, somebody on it does it — and you can originate it.
Your Name On The Door
Four ways to build your brand here
Your own DBA
Full brand independence with a small “division of Coast 2 Coast Mortgage” line — exactly how Black Rock runs. DBAs process in about two weeks, and we time it so you transition straight into your own branding on day one.
Your team, powered by C2C
Skip the DBA process entirely: your team name with a 50/50 “powered by Coast 2 Coast Mortgage” logo. Identity now, paperwork never.
Operate as Coast 2 Coast
Plenty of originators skip the branding decision entirely and build under the established Coast 2 Coast Mortgage name — voted Best of Florida 2025, recognized by agents and lenders statewide. Zero setup, full credibility from day one.
Join Black Rock
Plug into an established, growing brand — this website and its pipeline included — with training and deal support directly from Keith on every file.
You own your brand. You own your client list.
If you ever leave, your name and your book go with you. We grow by being worth staying for — not by holding your business hostage. And here’s the proof the model works: the website you’re reading right now is an originator’s own brand, built on this platform.
Real Brands, Built Here
A few of the brands originators have built on this platform — each one owned by the originator who built it.
Grow Past Yourself
Built for empire-builders too
Branch managers: design your own comp plan
Bring a team and the economics become yours to architect. Feeding your LOs leads or layering in processing support? Charge a higher per-file fee, set them on a 1.5% comp structure, or go 50/50 on the profit — your team, your model, your call. You build the machine; the platform stays out of your way.
Originators: get paid to grow the family
Recruit for the Coast 2 Coast team and earn $150 per file your recruits close — for as long as they’re with the company. One great recruit closing four loans a month is $600/month of passive pipeline, forever. Build a downline, not just a book.
Already picturing your name on the door?
Start the ConversationThe Part Nobody Else Has
Support that actually shows up
In-house underwriting experts
When a lender’s underwriter digs in, our in-house experts help you push back intelligently — deals that die elsewhere close here.
Immediate tech support
A human, fast — plus graphic design and social media resources when you want marketing help building your brand.
Direct access to ownership
Keith Richardson, the owner of Coast 2 Coast, picks up the phone. The question is always “how can we help you?” — not “open a ticket.”
First-class onboarding
Switching shops is the #1 pain point in this industry — so we made it ours to solve. Our first-class onboarding has you up, licensed-linked, and running in no time, timed around your active pipeline.
Searchable lender database
Every one of our 200+ lenders in one searchable database — AE contact info and loan product offerings included. Find the right home for any scenario in minutes, not phone tag.
Loan officer assistants
Need leverage? LOAs are available on a simple per-file fee — scale your support up and down with your pipeline instead of carrying salary.
From Keith Meredith · Division President · NMLS #303217
Real talk: this model is built for the self-motivated originator. We’re not handing you leads — it’s a self-generated business, by design, so the platform stays out of your way financially and you keep the most money to invest in your business. (Leads are available for purchase if you want them.) New originators are welcome — that’s how I started — and whether you build under Black Rock, Coast 2 Coast, or your own name, you train with me directly and I’m on your deals with you.
The Stack Behind You
Still suffering through Encompass or Calyx? ARIVE is a first-class, intuitive LOS — it feels like skipping a decade. Leaf 360 runs your pipeline on autopilot — automated SMS and email campaigns, lead nurture, and post-closing follow-up that keeps past clients referring, OSI Express turns out your listing and open-house flyers, and More Than Ink handles your cards and print. The tools are picked; you just originate.
From Originators On The Platform
Don’t take our word for it
“I originate mortgages part time, so I maybe close one loan a month — and Keith gives me the support I need on every deal to make sure I’m giving my clients the advice and service that a seasoned originator of 10+ years is able to provide.”
“Coast 2 Coast and their over 200 wholesale lenders has given me the ability to become a niche lender. I don’t just have to be the residential loan guy — I’m closing multi-million-dollar commercial loans.”
Guide to Florida · Statewide Vote
Voted Best of Florida 2025
The platform you’d be building on isn’t a quiet little shop — Coast 2 Coast Mortgage Lending was voted Best of Florida by the Guide to Florida’s statewide readers’ vote.
Asked Quietly, Answered Honestly
Recruiting FAQ
Is the $995 really the only per-file cost?
How fast can I move, and what happens to my pipeline?
Do I really keep my brand and clients if I leave?
Can I lend outside the states I’m licensed in?
I’m new / low-volume. Is this for me?
What’s correspondent lending and why should I care?
No Pressure. No Recruiters. No Drip Campaigns.
Confidential conversations welcome
Whether you’re exploring, curious, or ready to move — six quick questions and Keith reaches out personally, usually within one business day.
Rather just talk it out right now?
Call or text Keith’s direct cell — 352-615-1613. No script, no pitch deck. Just two originators talking about joining the Coast 2 Coast family.