Quick Verdict
Rating: 3.5/5
Best for:
LOs who align with a faith-based mission culture, value fast close times, and want a structured retail environment
Not ideal for:
Self-generating LOs who want maximum comp or access to niche wholesale products
Bottom line:
Movement Mortgage is a unique lender — genuinely mission-driven with impressive speed-to-close tech. But it's still a retail split model, and LOs typically earn significantly less per loan compared to broker platforms.
Company Overview
- Founded: 2008, headquartered in Indian Land, South Carolina
- Type: Retail mortgage lender (faith-based private company)
- Licensed in: All 50 states
- Employees: Approximately 4,000+
- Loan Officers: 1,500+
- Known for: "6-7-1" close commitment (6-hour underwriting, 7-day processing, 1-day clear to close), strong faith-based mission culture, charitable giving (Movement Foundation)
- CEO/Founder: Casey Crawford
- Unique model: 48% of after-tax profits donated to charity through Movement Foundation
- Recent focus: Continued expansion, tech investment in automated underwriting and borrower experience
Comp Structure
- Model: Retail split — LOs earn a percentage of the origination fee
- Typical range: 75–140 bps depending on volume and region
- High-volume negotiation: Up to 150-160 bps
- 100% commission: Not available — retail model only
- Mission culture: Adds intangible value for LOs who align with it
- Performance bonuses: Available in some markets
Lender Access & Product Menu
- Retail lender: Loans funded by Movement's own capital
- Products: Conventional, FHA, VA, USDA, Jumbo, renovation, some non-QM
- 6-7-1 underwriting: Proprietary, genuinely fast turns
- Wholesale pricing: Not available — Movement sets its own rates
- Lender shopping: Cannot shop multiple wholesale lenders
- Rate competitiveness: Average on most products; strength is speed and process, not rate
Support & Culture
- Differentiated culture: Faith-based, charitable, mission-driven
- Onboarding: Strong training programs
- Close commitment: 6-7-1 is a real competitive advantage for purchase business
- Marketing support: Movement-branded materials and training
- Community focus: Strong in purchase markets, referral partner relationships
- Technology: Proprietary automated underwriting, borrower-facing app
Pros for Loan Officers
- Unique mission-driven culture — strong alignment for faith-based LOs
- 6-7-1 close model is a real differentiator with realtors
- Strong purchase market focus — good for referral-based LOs
- Licensed in all 50 states
- Processing/underwriting speed is a genuine competitive tool
- Charitable mission adds purpose beyond production
Cons for Loan Officers
- Retail split comp — lower income ceiling than broker platforms
- No wholesale pricing or lender shopping
- Limited niche/non-QM product depth vs large broker platforms
- Company culture is distinctly faith-based — not for everyone
- Rate competitiveness is average — speed is the differentiator, not price
- No revenue share or 100% commission programs
Income Comparison: Movement Mortgage vs. NEXA Lending
At $5M Annual Volume
| Platform | Comp Model | Estimated Annual Income |
|---|---|---|
| Movement Mortgage | 120 bps (avg) | $60,000 |
| NEXA Broker | 220 bps | $110,000 |
| NEXA100 | 250 bps | $125,000 |
Annual difference: Up to +$65,000 at NEXA vs Movement
At $10M Annual Volume
| Platform | Comp Model | Estimated Annual Income |
|---|---|---|
| Movement Mortgage | 120 bps (avg) | $120,000 |
| NEXA Broker | 220 bps | $220,000 |
| NEXA100 | 250 bps | $250,000 |
Annual difference: Up to +$130,000 at NEXA vs Movement
Important note: Movement's speed advantage can help close more loans — but even at higher volume, the per-loan comp gap persists.
Who Should Consider Movement Mortgage
- LOs who align with a faith-based mission culture
- LOs whose primary competitive advantage is fast purchase closings
- LOs with strong realtor relationships who can leverage the 6-7-1 process
- LOs who value a structured, purpose-driven retail environment
- Newer LOs who want strong training and a differentiated pitch to realtors
Who Should Look Elsewhere
- Self-generating LOs who prioritize maximum per-loan comp
- LOs who want to offer clients best wholesale pricing
- LOs focused on DSCR, non-QM, bank statement, ITIN, or niche products
- LOs who don't align with the faith-based company culture
- LOs who want to build revenue share income
Movement Mortgage vs. NEXA Lending
For a detailed comparison, see: Full Comparison: NEXA Lending vs. Movement Mortgage
Key Differences at a Glance
| Metric | Movement Mortgage | NEXA Lending |
|---|---|---|
| Comp Range | 75-140 bps | 220-250 bps |
| Lenders Available | 1 (in-house, fast) | 299 wholesale |
| Employment Model | Retail W-2 | Broker 1099 |
| Primary Differentiator | Speed-to-close (6-7-1) | Comp & rate shopping |
| Revenue Share | Not available | Robust options |
Frequently Asked Questions
Is Movement Mortgage a good company to work for as a loan officer?
Movement Mortgage is genuinely mission-driven with impressive speed-to-close technology and strong company culture. However, it's a retail split model where LOs typically earn significantly less per loan compared to broker platforms. It's ideal for LOs who align with faith-based mission culture and value fast purchase closings, but not for those prioritizing maximum compensation.
How much do Movement Mortgage loan officers make?
Movement Mortgage uses a retail split model with typical LO comp range of 75–140 bps depending on volume and region. At $5M annual volume, expect around $60,000/year. At $10M volume, approximately $120,000/year. High-volume LOs may negotiate up to 150–160 bps. This is significantly lower than broker platforms like NEXA, which offer 220–250 bps.
What is Movement Mortgage's 6-7-1 commitment?
The 6-7-1 commitment is Movement's proprietary close process: 6-hour underwriting, 7-day processing, and 1-day clear to close. This is a genuine competitive advantage for purchase business and effectively differentiates Movement from other retail lenders. It gives LOs a real selling point with realtors and borrowers.
What is Movement Mortgage's comp structure?
Movement operates a retail split model where LOs earn a percentage of the origination fee, similar to traditional banks. There is no 100% commission option. Typical ranges are 75–140 bps, with high-volume LOs potentially negotiating up to 150–160 bps. Some markets also offer performance bonuses based on volume and quality metrics.
Is Movement Mortgage faith-based and does that matter for loan officers?
Yes, Movement Mortgage is distinctly faith-based and mission-driven, donating 48% of after-tax profits to charity through the Movement Foundation. The company culture is genuinely differentiated by its charitable and faith-based values, which is ideal for aligned LOs. However, it may not suit LOs who prefer a purely secular workplace environment.
How does Movement Mortgage compare to broker platforms like NEXA?
Key differences: Comp (Movement 75–140 bps vs NEXA 220–250 bps), Lenders (Movement 1 in-house, fast vs NEXA 299 wholesale), Model (Movement retail W-2 vs NEXA broker 1099). Movement wins on speed-to-close; NEXA wins on comp, rate flexibility, and lender options. For most self-generating LOs seeking maximum income, NEXA typically offers better financial upside.
Does Movement Mortgage offer 100% commission?
No. Movement Mortgage is a retail mortgage lender with a split compensation model. They do not offer 100% commission, revenue share, or independent contractor 1099 arrangements. If you're seeking maximum comp flexibility or independent contractor status, a broker platform like NEXA would be better suited.
Can I transition from Movement Mortgage to a broker platform?
Yes. The skills, licenses, and industry relationships you develop at Movement Mortgage are fully transferable to broker platforms. Many LOs transition from retail to broker platforms to access higher comp and more lender options. The transition is common in the mortgage industry and relatively straightforward.
Curious What You'd Earn at NEXA vs. Movement?
Book a free 20-minute call. I'll run the comp math for your exact production numbers and give you an honest side-by-side. Even if Movement is the right fit — you deserve to know the full picture.
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