Cesar Munoz — what your production is worth at Swift Mortgage

A personal message from Mike Barnhart

Cesar, I recorded this just for you.

A short walkthrough of the numbers on this page — what you keep today, what you'd keep at Swift, and why the gap is what it is.

0:00 Why he made this page for you Next Your production, in his words Then The calculator, your split vs. Swift Close The 20-minute next step

Short on time? Jump straight to the calculator — it runs the same numbers Mike walks through in the video, with sliders you control.

Your production, Cesar — the last 14 months

This is the business you've already built in Queen Creek, serving English- and Spanish-speaking families alike. The question isn't whether you can produce. It's how much of it you're keeping.

Funded volume

$19,723,130

Last 14 months

Loans closed

Families served

Average loan

$365K

Per funded file

YTD 2026

$15,186,394

Across 42 loans

Gold-tier producer NAHREP Top 250 Latino Mortgage Originator, 2020 11+ years in the industry

59% purchase 41% refinance Conventional 30 FHA 23 VA 1

Cesar is licensed in 5 states

AZCAFLIDNE

Production from MMI DataCenter, last 14 months. Year-to-date 2026: $15,186,394 funded across 42 loans. Previously at Peoples Mortgage Company, where his 2020 production earned a place on the NAHREP Top 250 Latino Mortgage Originators list.

Run your own numbers

Drag the sliders to match your deal, your current split, your current per-file costs. The Swift side never changes: 100% of your comp, minus one flat $995 per funded loan.

Your deal today

Annual funded volume$19,723,130

$2M$60M

Loans per year54

5150

Gross comp you generate175 bps

75 bps300 bps

Share of comp you keep today60%

20%100%

Per-file fees you pay today$250 / loan

$0$1,500

What you take home

Today at Fairway Independent Mortgage$0

At Swift Mortgage$0

+$0

more in your pocket, every year, on the same production

Over 3 years

Over 5 years

Per loan at Swift

How Swift's math works: gross comp ($0) is yours in full. Swift deducts $995 × 54 loans = $0 — that's the whole cost. No percentage split, no desk fee, no tech fee, no marketing fee. Estimates assume the same volume and comp you set on the left; your actual comp plan is confirmed in writing before you sign anything.

Side by side

Most retail comp plans were designed when branch managers and regional layers needed feeding. Swift runs lean on purpose, and the difference goes to the person who earned it.

	Fairway today	Swift Mortgage
Your comp	A split, modeled here at 60% of what you generate, after tiers and hurdles	100% of your comp. The split is gone, not renegotiated.
Company take	The split you don't keep, plus per-file fees on every funded loan	One flat $995 per funded loan. No split, and that's the whole list.
Models	Retail lender, one channel, their way	Brokered and non-delegated correspondent, fund in Swift's name when it serves the file
Where you can lend	Your current 5 licenses: AZ, CA, FL, ID, NE	12 states under one roof: AZ, CA, CO, NM, FL, TX, WA, OR, LA, VA, NC, MI
When something's stuck	A ticket queue, a help desk, a manager's manager	A real human on the phone when you need one, a person who knows your file
Your business	Their brand standards, their marketing approval chain	Run it like an owner, your relationships, your name, your book, in English and in Spanish

Beyond the split

The pay math gets your attention. These are the reasons people stay.

$350

Wealth Builder

Recruit a loan officer who closes deals at Swift and you earn $350 on every loan they fund. Build a team, get paid like you built one.

States, one license home

Your referral partners and past clients don't stop at the state line. Swift is licensed in 12 states, so the loan across the border is still your loan.

AZCACONMFLTXWAORLAVANCMI

2×

Coaching, twice a year

Swift's biannual LO conference brings in real coaching on production and business-building, not a vendor expo. Twice a year, in the room with people who are doing the work.

1:1

Support that answers

When a file is stuck at 4:45 on a Friday, you don't open a ticket. You call, and a person who can actually move it picks up.

A note from Mike

Cesar — 54 loans and more than $19.7 million in the last fourteen months, a Gold-tier book built one family at a time, in English and in Spanish. Twenty-three of those loans were FHA. You know the first-time buyer, you know the work that file takes, and you've been doing it for more than eleven years.

At 175 basis points, your production generates about $345,155 in gross comp. On a retail split modeled at 60%, you keep roughly $193,593 of it. At Swift the math is flat: your comp is yours, and the company takes $995 a file. That puts you at $291,425 on the same production, about $97,832 more a year. Run the calculator above with your real split. Then let's talk for twenty minutes about how your first ninety days would look.

No pressure either way. If the math doesn't beat where you are, I'll tell you to stay.

Mike Barnhart

Owner, Swift Mortgage · NMLS #1325662

The questions every LO asks

Is there really no split?

Really. You keep 100% of the comp your loans generate. Swift's revenue is one flat $995 fee per funded loan, it's how the company earns, stated up front, and it's the same for every file. There are no tier resets, no manager overrides taken out of your check, and no surprise line items.

Broker or non-delegated, which would I be?

Both doors are open at Swift. Price a deal through the broker channel when that wins, or run it non-delegated and fund it in Swift's name when that serves the borrower. You choose per loan, based on the borrower's best execution, not on which channel pays the house more, because the house fee is flat either way.

What about my current pipeline and clients?

Your relationships are yours, including the Spanish-speaking families who trust you because you speak their language. We'll map your in-flight files and your license transfers before you give notice anywhere, so nothing you built gets stranded. The move is planned around your borrowers, not our onboarding calendar.

I'm licensed in five states. Can I keep lending there?

Swift Mortgage is licensed in AZ, CA, CO, NM, FL, TX, WA, OR, LA, VA, NC, and MI. Three of your five, Arizona, California, and Florida, come straight across, and Arizona is where nearly all of your production already sits. Idaho and Nebraska are not in Swift's footprint today, so we'll talk honestly about what that part of your book is worth before you decide anything.

What does the $995 actually cover?

It's Swift's flat per-funded-loan fee, the company's entire take on your file. No additional desk fee, tech fee, marketing fee, or per-file junk charges get stacked on top of it.

Cesar — twenty minutes. Your numbers, on the table.

One call with Mike. He'll walk your exact production through the Swift comp plan, answer the hard questions, and give you the plan in writing. If it doesn't beat where you are, you've lost twenty minutes and gained a benchmark.

Book my call with Mike Re-run my numbers first

Confidential. Nothing here is shared with your current employer, and there's no obligation attached to the conversation.