NMP Ignite Events

There are only two ways to make more money in mortgages: create more production or take on more risk. Non-delegated correspondent is how serious brokers do both.

Most brokers know non-del exists. Few understand the risks, rewards, and steps required to become a non-delegated correspondent mortgage banker.

You close in your own name using your own warehouse line — but the lender you're selling to underwrites the loan. You get control, better pricing, direct access to the secondary market, and the ability to build a brand that belongs to you. But as Ben Parker from Spider-Man comics said, “with great power comes great responsibility” — warehouse lines to manage, compliance infrastructure to build, and staffing decisions that determine whether the operation flies or flounders.

This isn't a move for everyone. But for the broker ready to take the next step, it's one of the most powerful channels in the business.

This session is with the brokers who made the transition — what it actually takes, what they wish they'd known, and whether it's the right move for you.

What you're walking away with:

• How non-del works.
• How non-del connects you to the secondary market — and why that changes everything.
• The pricing and product advantages over the wholesale channel.
• Warehouse lines — how to get them, what they cost, and what lenders look for.
• Hire or outsource — how to staff up without blowing your overhead.
• The compliance infrastructure you need before you close your first loan.
• How to know if the economics actually make sense for your business right now

LO comp sounds simple. You close loans, you get paid. But between Reg Z, expense accounts, team splits, recruiting overrides, servicing income, and the fine print buried in every Loan Originator Compensation Agreement — it's anything but.

Whether you're an originator wondering if you're leaving money on the table or an executive building a comp structure that attracts talent without killing your margin — this summit is built for you.

Real companies. Real models. Real math. Then break out with the platforms actively recruiting and ask the questions you'd never ask on a recruiting call.

Key Takeaways:

• How leading mortgage platforms actually structure LO comp — the real numbers
• The rise of the high-split model: what originators actually net after fixed fees and expenses
• Why the distributed retail model remains one of the most powerful engines for volume
• 1099 vs W2: what's legal, what's risky, and what your state actually allows
• Regulation Z: the comp traps quietly blowing up companies right now
• LO comp litigation trends: what's being challenged in court and what it means for your business
• The latest regulatory updates every executive and originator needs to know
• How to stay audit-ready — before the auditor shows up
• How originators can participate in the income derived from servicing
• Team splits, overrides, and recruiting comp: how it actually works
• Expense accounts: what's negotiable and what to watch out for

Investors purchased 33% of all single-family homes in Q2 2025 — a five-year high. And 87% of those investors own one to five properties. The landlord next door is your client. The question is whether they know it yet.

Investor clients don't shop on rate. They shop on speed, certainty, and expertise. Miss a closing date and you don't just lose the deal — you lose every deal that comes after it.

This session is with the originators who've cracked the investor relationship and turned one deal into a referral machine.

What you're walking away with:

• Why speed and certainty beat rate every time — and how to deliver both
• How to become a portfolio partner, not just a transaction lender.
• The products investors need: DSCR, bridge, second liens, and beyond.
• How to speak the investor's language — cap rates, cash-on-cash, deal analysis.
• How one strong investor relationship becomes ten.

Top producers aren't looking for a job. They're evaluating opportunities. And if your pitch sounds like everyone else's, they're not moving.

The best recruiters in the business aren't leading with comp. They're leading with transparency. Showing originators exactly how much their current company is making off them, and what they'd actually put in their pocket on the other side. Most originators don't know the answer to a simple question: how much did your company make off you last year? The recruiters winning this war do.

This session breaks down what actually works, from the first conversation to the signed LO comp agreement.

What you're walking away with:

• How to lead with transparency and let the numbers do the recruiting.
• Comp, signing bonuses, and LO comp agreements — best practices and biggest mistakes.
• The tech stack and support structure originators actually evaluate before making a move.
• How LOAs and operational support factor into a producer's decision.
• How to negotiate without giving away the store.
• The biggest recruiting mistakes companies make — and how to stop making them.
• How to build a recruiting pipeline so you're never starting from scratch.

Failure to plan is a plan to fail. The originators who win in 2027 are the ones who don't wait until January to start thinking about it.

The best producers in the business aren't wrapping up December, hoping next year is better. They're already in motion — setting goals, locking in their strategy, and building the pipeline that's going to carry them through Q1 before the ball drops.

This is your time. Join us for a working session with the top originators who do this every year — and win every year because of it.

What you're walking away with:

• How top producers actually plan their year — the process, the goals, the systems.
• How activity leads to app-tivity.
• Setting Specific, Measurable, Achievable, Relevant, and Time-bound (S.M.A.R.T.) goals.
• The pipeline strategy that sets you up to hit the ground running in January.

U.S. homeowners are sitting on more than $11 trillion in tappable home equity. And most of it is going untouched, not because borrowers don't need the money, but because nobody is having the right conversation with them.

Well, almost nobody. Servicers already are. They're programmatically targeting your past borrowers right now with equity offers, automated outreach, and products designed to pull them back in before you even know the opportunity exists.

This summit isn't about transactions. It's about strategy — how lenders, tech platforms, and top-producing originators are building systematic approaches to home equity that serve borrowers, retain clients, and create production that doesn't depend on where rates are.

Because helping your borrower maximize their equity isn't just good business. It's your job.

What you're walking away with:

• The scale of the home equity opportunity — and why most originators are barely scratching the surface.
• How servicers are programmatically targeting your borrowers for equity products — and how you fight back.
• How leading lenders and platforms are building home equity into their core strategy.
• HELOCs, closed-end seconds, and hybrid products — when to use which and how to position them.
• How to identify and segment equity-rich borrowers in your existing database.
• How to have the equity conversation without triggering rate resistance.
• How to build a scalable, repeatable home equity pipeline that runs alongside your purchase business.

Fast closings get the glory. Defect rates, re-disclosures, and burned out ops teams get ignored, until they can't be.

Those running the most efficient shops have cracked the code on both. They're leveraging their tech stack to closing faster AND cleaner — fewer conditions, fewer defects, fewer 11pm texts from their processor. They've built a tech stack that catches problems at application, instead of at the closing table, and they're leveraging Day 1 Certainty to lock in data accuracy before it becomes everyone else's emergency.

This session is for originators who want to produce more without the chaos that usually accompanies it.

Key Takeaways:

• How to leverage Day 1 Certainty to close faster with fewer defects.
• What a high-performance tech stack actually looks like in a top producer's shop.
• How to eliminate the bottlenecks that are burning out your ops team.
• Where loan defects are actually born — and how to kill them at the source.
• How the fastest shops in the country are closing more loans without sacrificing quality.

Your brand is what people say about you when you're not in the room. Your personal brand is what makes them pick up the phone before they call anyone else.

Most originators have it backward. They spend their career chasing real estate agents, begging for referrals, and hoping someone remembers their name at the right moment. The originators who've cracked personal branding have flipped that equation entirely.

When your brand is strong enough, borrowers find you first. They come in pre-sold, pre-trusting, and ready to move. And when that happens at scale, you stop sending thank you cards to real estate agents and start sending them clients — because your pipeline is so full you can afford to.

That's the power of becoming the digital mayor of your market. Known. Credible. The first name that comes up. Not because you got lucky — because you built it deliberately.

This session is with the originators who did exactly that.

Key Takeaways:

• What personal branding actually is — and why most originators are doing it wrong
• How to build a direct to consumer presence that makes borrowers come to you first
• How to flip the real estate agent dynamic so you're sending them business, not begging for it
• What content actually builds trust versus what just fills a feed
• How to become the digital mayor of your market from scratch

AI in action — not AI in theory. Here's what's actually working for originators and mortgage companies right now.

The people doing it are in the hotseat — originators using AI to dominate their market and become the go-to product expert, and executives who rebuilt their entire operation around it — including agentic AI that works their pipeline while they sleep.

No pitch. No demo. Just what they did, what it cost, and what it's producing.

AI isn't coming for your job. But the originator who knows how to use it is coming for your market share.

Key Takeaways:

• How originators are using AI to become the marketing machine and product expert in their market
• How executives rebuilt their operations around AI — and what agentic AI actually looks like in a mortgage business
• The tools moving the needle right now — not in theory
• Where to start this week that will immediately free up your time

Today's borrower doesn't start with a phone call. They start with a Google search, asking around on local Facebook groups, maybe even a Reddit post, checked reviews and by the time they reach out to an originator, they've already formed an opinion about who they want to work with.

The originators winning that moment aren't the ones with the lowest rate. They're the ones who showed up at every digital touchpoint along the way — search, social, content, reviews — and made it impossible for the borrower to ignore them.

Your digital footprint is either working for you 24/7 or it isn't. This session is with the originators who built one that does.

What you're walking away with:

• How the modern borrower journey actually unfolds — and where most originators go invisible
• The digital touchpoints that turn prospects into borrowers.
• How to identify and act on borrower intent before they ever fill out an application.
• The content and tools that build a footprint that generates a pipeline on autopilot.
• How to turn digital engagement into consistent closed loans.

Rates don't have to drop to the floor for your refi pipeline to constantly produce. But when they do (and they will), the originators who built their machine before the boom hits are the ones who eat. Everyone else scrambles.

This session is about being ready. Not just having a database — having a system. Not just watching rates — knowing exactly who to call the moment they move. And understanding that the refi isn't just a transaction — it's the next chapter in a lifetime relationship with a borrower who never has a reason to go anywhere else.

What you're walking away with:

• How to build a refi pipeline that produces now and explodes when rates drop
• The perfect annual borrower review and why it's your most valuable sales call
• How to segment your database so you know exactly who's refi-eligible when rates move
• How the refi conversation leads naturally to home equity products
• Scripts, texts, and outreach that actually get responses
• How to monitor rate triggers without being glued to your screen
• How to turn every refi into a borrower for life
• How to scale fast when the refi wave hits

The moment your loan closes, the servicer starts its plans to replace you. They have your borrower's data, they know their rate, and they have automated systems running 24/7 looking for the moment to make their move. And most of all — they have permission. Every single month, your borrower hears from them. You? Maybe a holiday card.

The only way to beat them is to get there first. Every time.

This session is about setting up your LOS, POS, CRM, and data services to do exactly that — automate the triggers that tell you when your borrower is ready for a refi, a HELOC, or their next purchase — and reach out before the servicer even knows the window opened.

The originators winning the retention battle aren't working harder. They've built a tech stack that works while they sleep.

What you're walking away with:

• How servicers use data and timing to recapture your borrowers — and how to get there first.
• How to connect your LOS, POS, CRM, and data services into a retention machine.
• The data triggers that tell you exactly when a borrower is ready for their next opportunity.
• How to automate outreach so no borrower falls through the cracks.
• How to use data services to monitor your portfolio and fire the right message at the right time.
• What a retention-first tech stack actually looks like in a top producer's shop.

Your best prospects aren't new leads. They're sitting in your database right now … homeowners with sub-5% first mortgages, record equity, and zero interest in touching their rate.

U.S. homeowners are sitting on more than $35 trillion in home equity. Eighty percent have rates under 5% and aren't going anywhere. The cash-out refi is out. HELOCs, closed-end seconds, and all equity products are in. The equity is there. The demand is there. The question is whether you're having that conversation — or whether their servicer beats you to it.

This session is with the originators already building production around equity products in today's market.

What you're walking away with:

• How to identify home equity opportunities in your existing database right now
• The bank statement HELOC, DSCR second, and closed-end second: when to use which
• How self-employed borrowers and investors are driving equity demand
• Why servicers are already calling your past clients — and how to get there first
• How to make equity products a core part of your retention and recapture strategy

Nobody is. And that's exactly the point.

Some of the best originators in the country are brokers. Some of the best are retail mortgage bankers. What they have in common isn't the channel, but rather their commitment to their mission of putting more people into homes.

This session isn't a debate. It's a showcase. We're putting top producers from both sides in the hotseat to tell you exactly why their model works — the comp, the flexibility, the pricing, the infrastructure, the control. No agenda. No recruiting pitch. Just the honest truth from originators who found their lane and are dominating it.

You decide what's better for you.

What you're walking away with:

• Why top originators at broker shops wouldn't trade their model for anything, straight from the ones crushing it.
• Why top retail originators feel exactly the same way, straight from the ones crushing it.
• Comp, pricing, control, and scalability: how each model actually stacks up in 2026.
• Pros and Cons for both platforms.
• How to evaluate which model fits your business, your personality, and your goals.
• What to consider before making a move — or doubling down on where you already are.

The most affordable home on the market might be the ugliest one on the block. And that's exactly the point.

In a market starved for inventory and crushed by affordability, renovation lending is one of the most underutilized solutions sitting right in front of originators. The ones who've figured that out are winning deals other LOs don't even know they're losing — and giving buyers a path to homeownership that didn't exist before.

Most originators avoid renovation loans because they seem complicated. The ones in this session figured out they're not.

What you're walking away with:

• Why ugly homes might be the answer to the affordability crisis your borrowers are facing.
• The key products every originator should know — 203k, HomeStyle, and beyond.
• How to position renovation loans to buyers and real estate agents.
• How to manage timelines and set expectations so these deals actually close.