Build a mortgage recruiting
business.
Build a recruiting business in the mortgage industry. Recommend loan originators to Co-Operate's lender clients, deliver the ongoing recruiting and retention services those clients need, and get paid by Co-Operate for the work you perform. A flat $800 Co-Operator Fee per funded loan. Nothing buried in footnotes.
Co-Operate contracts directly with its lender clients and pays Contractors for services performed. You are never paid by a lender, by a borrower, or out of a closing. Contractors do not refer consumers or settlement service business and are not compensated for doing so.
How you get paid.
A flat fee per funded loan, whatever its size. Nothing buried in footnotes.
Your Co-Operator Fee is a flat $800 for every loan funded by an originator you recommended and continue to service. Any product, any transaction type, any loan size — a $250,000 loan and a $900,000 loan pay exactly the same.
You keep the whole $800 as Direct Compensation for services performed. The $250 Network Growth Allocation is funded separately by Co-Operate — it is not carved out of your fee.
Compensation is earned only when the required services are performed within the required timeline. Miss a monthly retention service and that month’s Direct Compensation is forfeited. Miss a quarterly Network Growth service and that quarter’s allocation is forfeited.
Figures show the flat per-loan amounts. They are not representations of expected or typical earnings.
The second
service requirement.
As you recruit and support Frontline Recruited Contractors (FRCs), your Network Growth Allocation is calculated against their funded production and paid to Contractors who complete their quarterly Network Growth services.
Tiers 1–3 open from Day One. Tier 4 unlocks at 5 active FRCs. Tier 5 at 15. Tier 6 at 25. Tier 7 at 50.
A flat $250 per funded loan, funded by Co-Operate, is allocated to this pool — distributed only to Contractors who complete their quarterly Network Growth services.
Tiers 4–7 unlock progressively as your active FRC count grows.
Six ranks. One path.
Each rank unlocks deeper Network Growth Allocation access. The top three also qualify for the End-of-Year Trip.
End-of-Year Trip qualification requires Director rank or above AND top 10% of the network by trailing-12-month Contractor revenue. Both conditions required.
Compete. Win.
Get recognized.
Co-Operate sponsors cash contests every month and every quarter — on top of your Co-Operator Fee. A real-time leaderboard keeps the network competing in public.
Recruiting Sprint
Top 3 by new QI placements each calendar month
Eligible: Builder rank and above.
Builder Challenge
Most new FRCs recruited in a calendar quarter
Winners featured across platform, newsletter, and social.
All contest prizes are paid via ACH and 1099-reportable. Contest rules are published 30 days before each period. Contestants must be in good standing and current on monthly retention services to receive prizes.
Two additional programs.
RAP and CSP extend the core Co-Operator Fee architecture for specific scenarios — both layer on top of Standard, neither replaces it.
Retention Assignment Program
For loan originators already working at a Co-Operate lender client. You earn by retaining them, not by recruiting them in — retention gating applies from Day 1.
- Same economics as Standard — flat $800 Co-Operator Fee, $250 Network Pool funded by Co-Operate
- Retention Pillar from Day 1 — no Phase 1 Recruiting allocation
- Same N1–N4 gating — quarterly service cycle applies
Growth Co-Sponsorship
Two or more Co-Operators share retention work on a placed QI and split the Direct Compensation by trailing 12-month buy-side volume.
- The whole $800 Direct Compensation pool is divided among the co-sponsors, weighted by trailing 12-month buy-side volume
- One Industry Influencer Co-Operator per CSP receives a fixed 30% of the pool; the remaining 70% is divided among buy-side co-sponsors by volume
- The $250 Network Growth Allocation is not part of the split. It is funded separately by Co-Operate and allocated to the originating entity’s 7-tier upline
The hard truths.
Because you should never be surprised. All of this is explicit in your Contractor Service Agreement and the Governance & Requirements Document.