reAlpha Mortgage rolled out a flat-fee compensation model letting loan originators keep a larger share of 275 basis point production with no tiered splits and earn restricted stock units. The model adds uncapped recruiting income, AI-powered support tools, taps the broker channel, which rose to 20.2% share in Q4 2025.
reAlpha Mortgage launched a flat-fee compensation model eliminating tiered splits and opaque formulas. Originators retain a larger share of a standard 275 basis point production fee under this transparent structure.
Qualifying loan originators can earn restricted stock units under the company’s equity incentive plan. The model also awards uncapped recruiting income on recruits’ production for as long as both remain employed.
The model integrates AI-powered Engagement Assistant tools to streamline lead qualification and follow-up. It targets an expanding mortgage broker channel, which grew to 20.2% of originations in Q4 2025, within reAlpha’s broader homebuying ecosystem.
