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.

Mortgage Trust team

You Don't Need Another Mortgage Company.

You Need a Better Model.

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.

Kiki Stonebraker

"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

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.

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.

Jordan Lee

"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

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
  • Technology that actually works – Encompass, Loansifter, Mortgage Coach, BNTouch CRM, and automation tools that strengthen borrower experience and referral confidence
  • If you've used it (or wished for it), we probably have it – or we're willing to get it.
Ian Murdock

"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

The result is a team of loan officers who consistently exceed industry averages.

Our target:

  • Every loan officer closes 48+ loans per year
  • Every loan officer earns $280k+ annually

With leverage, pricing power, and structure, it's achievable.

But we're not for everyone.

Martin Matsumura

"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

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

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

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.

Is your ceiling limited by your current environment?

If so, let's explore what you could build in a better model.

Mortgage Trust • NMLS 3250 • Equal Housing Lender
4386 S Macadam Ave. • Suite 302 • Portland, OR 97239

© 2026 Mortgage Trust, Inc. All rights reserved.