This site is intended for mortgage professionals interested in joining Mortgage Trust. If you're a client or borrower, please visit mortgage-trust.com.
Let's Talk
Tell us a bit about yourself. No pressure, no pitch.
Why Join Mortgage Trust
A platform for mortgage and real estate professionals who want to build wealth for themselves, their clients, and their referral partners.
You Don't Need Another Mortgage Company.
You Need a Better Model.
"I rarely lose deals because of pricing."
Kiki Stonebraker · NMLS 1982273 · 2 years with Mortgage Trust
Mortgage Trust is built for loan officers who want higher income, operational leverage, autonomy without chaos, a culture that improves performance, and a long-term home – not a temporary stop.
The loan officers who win long term build durable relationships, protect margin, operate at their highest and best use, multiply their time through systems and support, and think in long-term relationships, not short-term transactions.
Mortgage Trust exists to help you do exactly that.
Mortgage Trust is a broker by design.
We're lean – no corporate bloat – which allows us to offer rates consistently better than retail lenders and independent mortgage bankers.
Our loan officers can earn up to 140 bps with:
- Pricing autonomy
- Transparent margins
- Improved pull-through
- Confidence with referral partners
- Relationship conversations instead of rate conversations
And we do it without the chaos that often comes with broker shops. Real support is built into our platform – processing, compliance, marketing, and IT – so you can close more loans with less friction.
Better pricing.
Deeper conversations.
Higher income.
"I love that our rates are better than 95% of our competitors, so I rarely lose deals because of pricing. And I have access to virtually every loan program in the market. Those things combined with the support I get here causes me to be very bullish about my future in the mortgage world."
Kiki Stonebraker · NMLS 1982273 · 2 years with Mortgage Trust
Your job is to build relationships and drive revenue.
Your job is not:
- Chasing conditions
- Setting up files
- Uploading documents
- Sending status updates
- Being a part-time processor
That's why we invest in your highest and best use.
After one quarter of 15+ closed loans:
→ We contribute $37,500 per year toward your assistant
After two consecutive quarters of 20+ closed loans:
→ That contribution increases to $75,000 per year
At 30+ loans per quarter:
→ You also receive a dedicated processor
At Mortgage Trust, you get:
- Experienced processors who move files quickly and close loans efficiently
- Flexibility and clarity around loan officer and processor responsibilities
- Leadership that listens and adapts quickly
If you want coaching and accountability – it's here. If you want autonomy – you get that too.
You won't be micromanaged.
But you won't be on your own either.
A transition is a business migration, not a job change. You've built a production engine – referral relationships, past-client trust, pipeline rhythm, partner habits, operational dependencies. Moving doesn't just change your employer; it puts the engine itself at risk if it isn't done right.
Most mortgage companies will hand you a comp sheet and a welcome kit. We build you a customized 90-day transition playbook organized around the six dimensions where moves typically break down:
- Operational Proof Before Commit
- Comp Transition Review
- Restrictive Covenant Triage
- Pipeline Protection
- Referral Partner Migration
- Book of Business Portability
Everyone tells you they have AI. They mean a ChatGPT seat.
We're building our privacy-first AI platform in-house on our secure infrastructure. Every lender, every AE, every overlay, every state license, every policy and procedure, every document – loaded, indexed, and queryable. Every purchase agreement, every bank statement, every paystub, every tax return – parsed, structured, and ready for the file.
Most of what slows an LO down isn't the loan – it's the friction around the loan. The pain points pile up: the lender overlay you can't remember, the program nuance buried in a guideline PDF, the borrower scenario that needs three lender conversations before you can quote it. The 30-minute thing buried inside a 6-hour day. This is the kind of work we make go away. Our LOs drive what gets built next – if a scenario stumps it today, the answer gets added tomorrow.
Our Vision wants you to cultivate relationships, not chase paperwork. This is the infrastructure behind that promise.
Our AI sits on top of a stack we've already built – Encompass, Loansifter, Mortgage Coach, BNTouch CRM. And if you've used it (or wished for it), we're always open to new tools.
The other shops have a chatbot.
We have an in-house Underwriter, Assistant, and Nerd.
You shouldn't lose clients because of product limitations.
Through 70+ lender relationships, we offer:
- DPA
- Non-QM
- Reverse mortgages
- DSCR & Commercial
- Conventional, FHA, VA, Jumbo
- Additional niche programs
If there's a way to structure the deal, we'll find it.
"I love the collaborative atmosphere and short line of communication to the top. I anticipated challenges brokering in learning to work with multiple lenders but so far it has been very smooth. I like working with a variety of account executives and it gives me the opportunity to learn from experienced professionals and better understand the mortgage landscape."
Jordan Lee · NMLS 1440237 · 11 years with Mortgage Trust
We can get approved with new lenders in days, and we're licensed in 14 states with the ability to add more.
More options.
More closings.
Mortgage Trust's culture is built to improve performance.
Growth happens when the right people work together:
- We value relationships over transactions
- We collaborate with growth-minded peers who hold each other accountable
- We focus on building durable referral partnerships
This environment helps loan officers grow beyond self-generated hustle.
Many loan officers plateau because they stay stuck in reaction mode.
We focus on the things that grow businesses:
- Strategic partner development
- Financial-planner collaboration
- Wealth-building conversations with clients
- Events that elevate you as a trusted advisor
We also invest in the systems that support that growth:
- Trust/Forward events for you and your referral partners
- Wealth-building workshops
- Thanks & Giving and other community impact events
"The biggest positive for me has been the welcoming of input that is part of our culture. My concerns and requests are heard and handled in record time. Having this kind of support gives me a say in our company's direction – from adding new lenders to granting concessions to the creation of a podcast/video studio. I feel like I have the tools I need to succeed."
Ian Murdock · NMLS 248407 · 5 years with Mortgage Trust
The result is a team of loan officers who consistently exceed industry averages:
- Every loan officer closes at least 48 loans per year
- Every loan officer earns at least $280k annually
With leverage, pricing power, and structure, this is the model.
But we're not for everyone.
"Mortgage Trust's casual approach to recruiting was surprising but is authentic and honest. It was important to me that I join a reputable company with a focus on camaraderie among the loan officers. Here, there's also a refreshing sense of freedom – freedom to choose our CRM, craft our marketing messages, and work without the constraints of a rigid corporate system."
Martin Matsumura · NMLS 340971 · 3 years with Mortgage Trust
Mortgage Trust is a place for growth-oriented professionals building durable businesses that thrive in any rate environment.
Mortgage Trust's purpose extends beyond mortgages.
We exist to improve the financial lives of our clients, business partners, and teammates. As we succeed, we give back to our community.
That vision requires experienced and engaged leadership.
Michael Leland – Founder & CEO
Michael actively produces, coaches, and recruits. He isn't a private equity owner sitting in another state, detached from the daily life of a loan officer. He cares deeply about building something meaningful.
His production team has achieved national recognition for loan volume, and they expect to fund $100M in 2026.
Michael also invests heavily in the growth of other loan officers. Through multiple coaching programs, he brings best practices from top producers across the country back to the Mortgage Trust team.
He originally started Mortgage Trust because he wasn't getting the support he needed – spending half his day chasing conditions instead of building relationships. During a period working at a large IMB, excellent people and operations came at the expense of pricing. He was losing 20–30% of deals. It was time to build a better model.
Darren Davidson – President & COO
Darren and Michael have worked together since 2004, including nine years with Mortgage Trust. Darren's experience spans multiple industries and leadership roles, designing systems that align operations, finance, and technology so companies can scale with clarity and efficiency.
Michael focuses on production, relationships, and growth. Darren builds the systems and operations that create an environment where employees are empowered, engaged, and equipped to perform at their highest level.
Together, Michael and Darren know that sustainable success doesn't happen by accident. It's built deliberately.
The Bottom Line
You can control your effort, your mindset, your conversations, and your leverage.
We built Mortgage Trust to amplify those strengths – without putting at risk what you've already built.
If your current platform is costing you deals, time, or referral trust, let's talk.