You built the book. You earned the referrals. Matador is the broker platform where you finally own the business — 150+ lenders, licensing in all 50 states, published per-file pricing instead of splits, and a team that handles everything that isn't closing loans.
Most good originators don't have a sales problem. They have a platform problem.
Splits that punish production
The more you close, the more the house keeps. A percentage split means your best year is their best year — you're funding an org chart you never see.
One rate sheet, one box, one state
When your pricing comes from a single lender — and your license stops at the state line — every tough file is a lost file. You watch deals you sourced close across the street.
Marketing that never shows up
Corporate promised leads, social, and support. What you got was a compliance queue and a logo you don't control.
If you've ever felt limited by pricing, product options, licensing, or corporate structure — you're not alone. There's a different model.
The math
Keep what you kill. Pay published fees.
You set your comp and keep 100% of it, minus a published per-file fee. No basis-point haircut, no tiers, no fine print — the same schedule every originator on the platform works from. Set your numbers and see what your production is worth here.
Illustration only — not an offer of compensation. Your comp plan is set with you at onboarding and complies with all applicable loan originator compensation rules. Fees follow the Matador branch fee schedule effective September 2026 and are subject to change: corporate admin $995 per file ($1,295 in New York), Matador branch fee $200 on broker files, and a monthly tech package billed against commission. Correspondent margin adjustments reduce the rate sheet you price from — they are not borrower fees. Processing is $995 either way: on broker files it nets out of your commission, and on correspondent files it's your call file by file whether you or the borrower carries it. The $595 non-del fee and any lender fees are borrower-disclosed and are not shown here.
At Matador — after published fees$666,695
Your current platform$360,000
Estimated difference, per year+$306,695
Estimated files per year
103
Gross originator comp
$792,000
Per-file fees
−$123,085 ($1,195/file)
Margin adjustment
−$0
Tech package (12 mo)
−$2,220
Working a file in a state you're not licensed in? Refer it inside the platform and keep 50% of the net payroll on that loan — you don't have to walk away from the relationship.
The platform
Everything you need. Nothing you don't answer to.
Run your business your way — with the pricing, products, licensing, marketing, and tech of a platform built by originators, for originators.
Compensation You Can Read
You set your own comp and keep 100% of it, minus published per-file fees — not a cut of every deal.
No splits, tiers or manager overrides
Published fee schedule, same for everyone
Industry-leading models for independent originators
Pricing Power
150+ wholesale lenders plus correspondent execution — including Pylon, an AI-driven wholesale lender.
Shop every file across 150+ lenders
Conventional, FHA, VA, USDA, DSCR, non-QM, jumbo
Correspondent execution when it prices better
All 50 States
Licensing in every state in the country through Go Rascal. Your book stops ending at the state line.
Originate anywhere you are licensed
Refer files in states you are not licensed in
Keep 50% of the comp on those referrals
Done-For-You Marketing
An in-house team on your graphics, social, and campaigns — plus a CRM at no additional cost.
Branded website & landing pages
Social content and graphics, done for you
Full CRM included for every loan officer
Technology & AI
ARIVE origination with AI-enabled workflows and AI tools that answer loan product questions in seconds.
AI guidance on product and guideline fit
Price, disclose & submit in one system
Raw wholesale rates — no margin added on brokered files
Support That Answers
Weekly sales meetings for the whole company, dedicated office hours, and a support desk that picks up.
Company-wide weekly sales meeting
Scheduled office hours with leadership
Dedicated support desk for live files
Proven Playbooks
Not theory — the actual scripts and sequences producers here use to fill a pipeline.
Realtor referral partner playbook
Builder partnership playbook
Direct-to-consumer playbook
Your Brand, Your Branch
Built a name already? Keep it. Bringing a team? Bring the whole thing.
DBAs supported for established brands
Full branches welcome under our branch model
W2 with benefits or 1099, by state and program
Newly Licensed Mentorship
A structured path for originators just getting started — without the entry-level pay cut.
Up to 100 bps comp while you learn
Paired with producing originators
Training, playbooks and live file support
Hard Money & Commercial
In-house investor lending through the Matador Note Fund — earn on the deals banks won’t touch.
Fix-and-flip & bridge in-house
Commercial & investor programs
Another revenue line from your database
Revenue Share
Know other great originators? Build a second income stream by growing the platform.
Earn on LOs you bring on
No management responsibility required
Paid as long as they produce
Bring Your Pipeline
You don’t have to abandon active files to make the move.
Transition program carries live files to close
Assigned support during the handoff window
Your borrowers never feel the switch
Help, Priced Per File
Loan officer assistants and full back-office processing — used when you want them, not bundled into a split.
LOA concierge from application to closing
Full-cycle corporate processing available
Disclosures-only support as you scale
Coaching & Partners
Outside coaching and the tool stack that top producers actually run on.
GO! Coaching masterclasses with Amir Syed
Bonzo CRM and RETR database mining
MBS Highway for daily rate conversations
Two ways in
Texas, or anywhere else.
Matador is a branch on the Go Rascal platform. Which door you come through depends mostly on where you're licensed — and either way you get the same lender access, the same 50-state licensing, and the same flat-fee economics.
Texas
Join the Matador branch
For originators building a book in Texas — or anyone who wants a local market machine and a team behind them.
Houston Realtor and builder relationships from day one
Matador’s marketing team and CRM, included
In-house hard money and commercial through the Matador Note Fund
Newly licensed mentorship track, up to 100 bps
Branch sales meetings, office hours, and a live support desk
$495 per funded loan on originators you refer
Adds a $200 branch fee per brokered file on top of the platform fee.
Outside Texas
Join Go Rascal direct
For established producers who want the national platform without paying for a branch layer they wouldn't use.
Licensed in all 50 states — originate anywhere you hold a license
Lowest per-file cost: the platform fee, nothing added
LOA and corporate processing priced per file, used on demand
Transition program carries your active pipeline through the move
Out-of-state program — submit where you’re not licensed, 50/50 on net payroll
$495 per funded loan on originators you refer
No branch fee. Same platform, same lenders, same pricing engines.
Referral income is identical either way — $495 per funded loan, in perpetuity, and it doesn't stack. Not sure which door is yours? Book a confidential call and we'll run your last twelve months through both.
Ways to join
Four ways onto the platform.
Same lender access, same published fees, same marketing team. The difference is where you are in your career — and what you're bringing with you.
Matador has merged with Go Rascal. Here's exactly what that changes for your book — starting the day you sponsor over.
Licensed in all 50 states
Originate wherever you're licensed. And when a deal lands in a state you're not licensed in, refer it inside the platform and keep 50% of the comp instead of walking away.
150+ lenders, plus Pylon
Combined volume means deeper tiers with the lenders you already use — and access to Pylon, an AI-driven wholesale lender most broker shops can't offer.
Bigger tech, same day one
A larger build team behind the AI and origination stack — AI loan product guidance, ARIVE workflows, and a CRM included for every originator at no cost.
Structure that fits you
W2 with benefits or 1099 — whichever your state and loan programs require. DBAs for established brands, and a branch model if you're bringing a team.
Book a confidential call and we'll walk your last twelve months through the new platform — lender access, licensing, and published fees, line by line.
Making the move
From resignation to funded, without losing your pipeline.
The transition is the part every recruiter glosses over. Here's what it actually looks like.
01
Your pipeline is covered
Before you resign, the transition program matches your active files to a licensed assistant who carries them through to close during the handoff window.
02
Sponsorship, usually about 48 hours
In most states your NMLS sponsorship reflects within about two days. A handful take longer — we tell you which ones before you give notice, not after.
03
Onboarding in about two business days
Agreement and payment forms, NMLS sponsorship, an orientation call, and tech provisioning once your transfer clears.
04
Active, with a team assigned
Credentials, an LOA or processor assigned to your files, and a seat in the weekly sales meeting.
One timing rule worth knowing: loan files can't be submitted the day you resign, because the NMLS registry syncs overnight. And live application links wait until your license reads approved in that state. We plan both with you.
How we operate
Entrepreneur-first. Zero corporate nonsense.
No middle management. No layers between you and a decision. Five things we actually run the company on:
Independent, TogetherOwn your business, backed by a platform that has your back.
Team Over MeWe win as a group — help is a call away, not a ticket queue.
Sales Solves EverythingProducers run this company. Everything serves production.
Get UncomfortableGrowth lives outside the comfort zone. We go there on purpose.
For Originators, By OriginatorsBuilt by people who still take loan applications.
From the field
Hear from loan officers who made the move
★★★★★
“I asked every hard question before I moved from retail. The honest answer: I should have bet on myself years earlier.”
JBJason BandooLoan Officer, Matador Lending
★★★★★
“[Second LO quote — what changed after the move, with one specific number: pricing, turn times, or take-home per loan.]”
—[LO name][$XXM annual volume] · [City, ST]
★★★★★
“[Third LO quote — ideally someone who came from a retail shop, in their own words.]”
—[LO name][$XXM annual volume] · [City, ST]
Straight answers
Questions producers actually ask
How does the compensation actually work?
You set your comp plan and keep 100% of it, minus published per-file fees. On broker files that's a $995 corporate admin fee plus a $200 Matador branch fee — $1,295 admin on New York files. Correspondent files carry the $995 admin plus a margin adjustment built into pricing (0.375 on conventional and jumbo, 0.500 on VA, FHA, USDA and non-QM). Processing and LOA support are optional add-ons at $995 and $795 per file — and on correspondent files, the $995 processing fee can be charged to the borrower instead of netting out of your commission, file by file. There is a monthly tech package — $185 for 1099, $260 for W2 — billed against commission. No splits, no tiers, no overrides.
W2 or 1099?
Both. W2 comes with benefits; 1099 keeps things simple. Which one you're on can depend on your state and the loan programs you run, and we'll walk through that on your call.
Where are you licensed?
All 50 states, through our merger with Go Rascal. If you're licensed in one state today and your referral partners send you deals in three, that's no longer a problem.
What happens when a deal is in a state I'm not licensed in?
Refer it inside the platform through our out-of-state referral program and keep 50% of the net payroll on that file. You keep the relationship and the client gets closed — instead of you handing the deal to a competitor.
I'm newly licensed. Is there a path for me?
Yes. Our mentorship program pairs newly licensed originators with producing LOs, and it still allows up to 100 bps compensation while you're learning — not the entry-level pay cut most shops hand you.
Can I keep my own brand or DBA?
If you've built a name worth keeping, keep it. We support DBAs for established brands, and our marketing team will build to your brand rather than force you onto a corporate template.
Can I bring my whole branch or team?
Yes. We support full branch moves under our branch model. If you're leading a team, bring the structure with you and we'll build the comp and support around it.
What does the marketing and CRM support cost?
Nothing extra. A branded website, social graphics and content, Realtor and builder co-marketing pieces, and a full CRM are part of the platform for every loan officer — not an upsell.
What kind of support do I actually get week to week?
A company-wide sales meeting every week, dedicated office hours with leadership, and a support desk for live files. Plus proven playbooks for Realtor referral partners, builder partnerships, and direct-to-consumer campaigns.
How hard is it to move my license over?
Easier than you think. Most LOs are sponsored, set up in our systems, and originating within days — and we handle the transfer paperwork with you. Your pipeline doesn't have to skip a beat.
What's the difference between joining the Matador branch and joining Go Rascal direct?
Same platform underneath — same 150+ lenders, same 50-state licensing, same flat-fee model. The branch adds a Houston market machine: local Realtor and builder relationships, our marketing team, the Matador Note Fund for hard money and commercial, and a mentorship track. That costs $200 per brokered file. If you're building in Texas it pays for itself quickly. If you're an established producer in another state, joining the platform directly is usually the better math.
Is there a minimum production standard?
Yes — at least one funded loan a month, or three in a quarter, measured on a one-year look-back. If you're newly licensed or coming back from a break, that's what the mentorship track is for.
Do I have to give up my current pipeline to move?
No. The transition program assigns a licensed assistant to carry your active files through to close during the handoff window, so your borrowers don't feel the switch. We'll walk your pipeline file by file before you give notice.
What does the support actually cost?
Loan officer assistance and corporate processing are priced per file and used only when you want them — they're not bundled into a split you pay whether or not you use them. We'll walk you through the current schedule on your call.
Bet on yourself. We'll bring the platform.
One confidential conversation. No recruiters, no pressure, no spam — just the math, the lender access, and what the merger means for your book.
Talk directly with our founders — not a recruiting funnel
See your real numbers against our published fee schedule
Walk through licensing, DBAs, branch moves and mentorship
