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LO Comp Calculator
Compare the comp lanes for a recruit's real production. Recruit view shows take-home only; flip Internal to see WFG margin (Franklin + Sandra only).
Your production
Annual volume
$6,840,000
Commission
150 bps, clean. No file fees.
$102,600
LO take-home / year · $4,275/loan
- Gross to you
- $102,600
- Fees
- None
- Effective bps to you
- 150 bps
P&L Cloud · 80/20
Keep 80% of 275 (220 bps). $995 first-50/yr + $300 QC.
$119,400
LO take-home / year · $4,975/loan
- Gross to you
- $150,480
- File fees (first 50)
- − $23,880
- QC fees
- − $7,200
- Effective bps to you
- 175 bps
P&L Cloud · 85/15
Top take-home
Keep 85% of 275 (233.75 bps). $995 first-50/yr + $300 QC.
$128,805
LO take-home / year · $5,367/loan
- Gross to you
- $159,885
- File fees (first 50)
- − $23,880
- QC fees
- − $7,200
- Effective bps to you
- 188 bps
Illustrative model only — not a comp offer or tax advice. Based on 275 bps gross; P&L fees: $995 file fee on the first 50 funded loans per calendar year + $300 QC. WFG absorbs LOS/CRM/AI/ office for P&L LOs. Internal margin is before cost-to-serve (the floor is being finalized).