Compensation
Top-of-market payout. No back-office tax.
Rockstone's split applies the same way whether you originate directly as a Loan Officer or represent the wholesale side as an Account Executive — production sets the payout, not your title or your tenure.
The Core Sample
Four layers, one payout structure.
Each layer below feeds the next — better lender access shortens closing time, and faster closings are what let Rockstone sustain a top-of-market split.
Compensation
Top payout plans in the mortgage space, structured to reward volume without punishing your first year.
Closing
Average submit-to-clear-to-close under three weeks, with 24–48 hour initial underwriting turnaround, so your pipeline turns faster and referrals keep coming.
Lenders
Access to multiple lenders and wholesale pricing, so you can shop a file instead of taking one rate sheet.
Technology
Leading tools for your borrowers and referral partners, from application to closing disclosure.
By Role
Two paths in, one payout philosophy.
Loan Officers and Account Executives sit on different sides of the file, so the day-to-day and the comp mechanics differ — but both are built around the same idea: production sets the payout.
Loan Officer
Direct-to-borrower origination
- Who you work with — the borrower directly, start to finish, from first call to closing table.
- How you're paid — your split is calculated on the loan volume you personally originate and close.
- Ramp support — optional draw available against future production while you build your first pipeline.
- What's provided — co-branded marketing, a borrower-facing portal, and a CRM built for retail follow-up.
Account Executive
Broker-facing, wholesale side
- Who you work with — a book of mortgage broker partners, placing their files through Rockstone's lender panel.
- How you're paid — your split is calculated on total funded volume placed through your broker relationships, with override potential on repeat business.
- Territory — a dedicated broker territory or book, rather than a rotating lead queue.
- What's provided — a dedicated processing desk and a pipeline portal built for managing broker relationships at volume.
How It Works
Three steps between you and your split.
Originate or place
Take the file — as a Loan Officer working directly with the borrower, or as an Account Executive placing it through a broker relationship — and quote it across the full lender panel.
Process & close
Rockstone's operations team pushes the file through underwriting — typically a 24–48 hour initial turnaround — toward a sub-three-week clear-to-close.
Get paid
Your split is calculated at closing, on top-of-market terms, with no hidden desk or franchise fees.
Full Suite of Products
One panel. Every loan type your borrowers ask for.
The wider the menu, the fewer borrowers you have to refer out — and the more of the file stays yours.
| Category | Programs | Typical Client |
|---|---|---|
| Conforming | Conforming, FHA, Jumbo, VA | W-2 borrowers, standard agency guidelines |
| Non-QM | Bank Statements, DSCR, Foreign National | Self-employed, investors, non-resident buyers |
| Portfolio | Private Money, Bridge, Construction | Time-sensitive, non-conforming, or ground-up deals |
Access the Tools
Make the change.
Get the exact split, the lender panel, and what onboarding looks like — for Loan Officers and Account Executives alike.