Team-Lead Economics

What a mentor-lead (e.g. JD) earns on a junior's production — override + $500/file referral — with the floor guardrail and WFG net. Defaults to the JD scenario.

The junior's production + the team-lead deal

Junior funded loans / yr

Junior avg loan

Junior comp (bps)

Lead override (bps)

Sandra override (bps)

Company floor (bps)

Floor guardrail: max lead override = max(0, 275 − 150 junior − 90 floor) = 35 bps.Override 10 bps is within the floor ✓

Junior take-home

$30,000

150 bps on $2,000,000 · fully company-managed

Team lead earns

$6,000

$2,000 override + $4,000 referral

Management layer

healthy

35 bps

$7,000 total (lead + Sandra + referral)

Illustrative model only — not a comp offer. Lead override is paid from company margin (never out of the junior's check), time-bound (~12 mo + 90-day half-rate tail) and production-gated (after the junior's first 3 loans / $750k). Keep the management layer ≤ ~40 bps.