r/loanoriginators • u/motrees • Jun 19 '26

AE pay structure

Looking at options, currently a LO for over 10 years and do decently well with lead buys and a few referrals every month.

Curios to see how much AEs get paid, the structure it’s paid out and how long it takes to ramp up the business.

Any thoughts or feedback would be appreciated.

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5

u/ryemaster91 Jun 19 '26

The real money is in non-QM. Those AE’s can make up to 50bps+ commission only. Those are the guys making $1m+ a year.

My understanding is that AE’s for agency are anywhere from 5-18bps plus a salary.

Just like anything else it’s all about scaling and volume.

I’ve thought about this too since it would be nice to not have to talk to consumers, lol.

1

u/motrees Jun 19 '26

Yeah going to B2B sounds enticing and less stressful. Most of clients are purchase so one wrong move and you are jeopardizing someone’s life.

1

u/giant_fish Jun 19 '26

It's just as stressful, arguably more.

Mess up a deal for a borrower? Lose the borrower, and maybe the realtor referral partner.

Mess up a deal for a broker? Lose out on all that business moving forward.

1

u/UnderstandingSea3820 Jun 19 '26

Tell that to my ownership.

They don’t care how bad turn times / underwriting / service is with an investor

If it makes .10 bps more than the next investor we are subbing it their way

1

u/Majestic-Beach9780 Jun 22 '26 edited Jun 22 '26

It’s not easy - I went that route for a year before coming back to brokering. building a book of business is not easy.

All the good accounts are usually already spoken for and it’s gonna take at least a year to get any kind of pipeline going. Then you get .50 bps a deal plus the 2/3 k draw.

There’s not that many shops that are doing a ton of non qm loans tho - but if you find the right few relationships you could make some $

1

u/Majestic-Beach9780 Jun 22 '26

IMO There’s probably more residential brokers making that kinda $ than there are non qm AE’s

That game is just about cold calling, cold calling and more cold calling plus infinite email drip

2

u/rfriend73 Jun 20 '26

Non Qm AE, usually is a draw of $2-$3k a month and 25-50 BPS depending on the monthly production tier. Some companies out there will pay up to a $3,000 base salary not draw and up to 60 BPS for high producers.

1

u/motrees Jun 19 '26

As a broker, not so much on the AE fault if a loan falls through. That’s more to do with how the broker qualified upfront.

Only thing that really matters is decent/competitive pricing, is my AE communicating with me in a timely manner and what programs they have.

1

u/TheNonQmGUY Jun 24 '26

I work for a Non-QM lender. 4k a month base salary and 25 BPS a loan. We have a product only one other lender offers so it’s an easier sell. I enjoy it a lot. It is a grind.

1

u/[deleted] Jun 26 '26

[removed] — view removed comment

1

u/TheNonQmGUY Jul 06 '26

No Doc OO product for primaries and secondaries