At CMG Home Loans, pricing is more than a rate sheet. It’s a strategic commitment to long-term sustainability for both the Loan Officer and the company. The goal: to deliver competitive, consistent pricing backed by smart execution, operational transparency, and real-world flexibility.
A Platform That Prioritizes Competitive Execution
CMG consistently performs well in national and regional pricing comparisons. The capital markets team conducts ongoing market analysis and proactively adjusts pricing as needed. Detailed reports are shared with leadership, showing where rates are strong, where there’s room for improvement, and what actions are being taken to stay aligned with the market.
Loan Officers can price with confidence. If rates fall behind, updates are implemented quickly. The philosophy is simple: pricing should support production, not stall it.
Real Flexibility When It Matters
CMG isn’t always the lowest, but it wins when it counts. Pricing exceptions are available when warranted, and the company’s culture is designed to support, not block, deals that deserve to be saved.
Mistakes happen. If a Loan Officer or team miscalculates something that impacts pricing, leadership is known to step in and help resolve the issue, particularly when it means preserving a client relationship or saving a critical transaction.
Transparent Structure, Strategic Advantage
Unlike broker shops or credit unions that rely on rate-based lead generation, CMG delivers competitive pricing without sacrificing operational excellence. There’s no race to the bottom. No bait-and-switch. Just solid, well-managed margins that fund tools, service, and support – all while protecting pricing parity across compensation levels.
Comp Flexibility by Lead Source
At CMG, compensation is designed to reflect both the value and the origin of the business. We understand that different loan types and lead sources require different levels of effort, margin, and support. That’s why we offer a flexible, scalable structure that adjusts based on how the loan is sourced.
- Self-Sourced Business receives the most favorable compensation structure, reflecting the Loan Officer’s direct effort in generating and converting the lead.
- Builder Relationships often include lender-paid incentives and pricing concessions, so compensation is adjusted to stay competitive while preserving the partnership.
- Branch-Generated Leads come through local marketing or internal partnerships, with compensation aligned to reflect shared efforts.
- Corporate-Generated Leads are paid at a set rate when closed and are an added opportunity – not an expectation – for those interested in working company-provided leads.
This structure rewards initiative while offering strategic opportunities to scale volume through different channels. We’ll work with you to find the right balance based on your goals and how you generate business.
Lock Policies, Flow Downs, and Pricing Adjustments
Pricing strategy at CMG includes the tools needed to adapt when the market shifts. Key components include:
- Flow Down Policy: a formal flow down policy helps protect deals when rates improve after a lock. The specific criteria may evolve, but the principle remains: protect the borrower and close the loan.
- Overnight Protection: with branches from New York to Hawaii, CMG maintains extended lock desk coverage to support all time zones and last-minute scenarios.
- Relocks and Extensions: industry-standard terms are in place, with clarity around costs and minimal red tape. The focus is on moving files forward, not creating friction.
- Renegotiations: when justified by market movement, renegotiation requests are evaluated on a case-by-case basis. The company works with Loan Officers to preserve relationships and meet borrower expectations when possible.
- Best Execution and Hedging Strategy: the capital markets team leverages a mix of mandatory delivery and best execution to strengthen pricing. When market conditions allow, loans are sold directly to the agencies. When a shift benefits the pipeline, the model adapts accordingly.
A Culture of Responsibility
Loan Officers at CMG have a voice and a path. Exceptions are supported when justified. Requests are reviewed quickly and fairly. But there’s an expectation in return: do your part, lead with value, and act responsibly.
This is a collaborative culture – one that backs producers who play to win.
Final Word
CMG’s pricing philosophy isn’t about being the cheapest. It’s about being smart, sustainable, and competitive in the markets that matter. The platform is built for Loan Officers who know how to sell value, deliver service, and build long-term relationships.
Call to Action
Want to see how CMG stacks up in your market – or walk through live pricing scenarios? Schedule a discovery call to connect with leadership and dive into the numbers.