AIME Discover Wholesale Committee

Discover life as an independent mortgage broker

The wholesale channel gives you the freedom to own your business, offer more products, and save your borrowers thousands. If you’re a retail loan originator, the Discover Wholesale Committee is here to help you make the move.

Why go independent
Explore the resources

Average Borrower Savings

$10,662

over the life of the loan with an independent broker vs. a non-bank retail lender*

*Polygon Research, 2023 HMDA data

Why go independent

The benefits of being a broker

As an independent mortgage broker you work for your borrower — not a single lender’s rate sheet.

Own your own business

Be your own boss. Build a brand, a team, and a book of business that belongs to you — not to a corporate branch.

Shop every lender

Access dozens of wholesale lenders and thousands of products, so you can find the right fit for each borrower instead of one retail menu.

Save borrowers money

Lower fees and more competitive rates mean your clients keep more in their pockets — the data backs it up.

Move faster

Lean operations without layers of management mean quicker decisions, faster closings, and happier clients.

Join a community

Tap into AIME’s network of brokers, coaches, and mentors who have already made the leap and want to see you win.

Earn more of what you make

Keep more of your commission and control your compensation instead of splitting it with a retail shop.

The numbers

The wholesale channel wins for borrowers

Independent broker vs. nonbank retail, based on 2023 HMDA data analyzed by Polygon Research.

$10,662

Average savings over the life of the loan

$13,432

Average savings per VA loan

33 bps

Lower upfront cost (115 vs. 148 bps)

70%

Approval rate in majority-minority tracts (vs. 58% retail)

Source: Polygon Research Channel Study, 2023 HMDA data.

Broker Vs. Retail

See the difference side by side

Where the independent broker channel stands apart from a retail loan officer role.

What matters to you Independent Broker Retail Loan Originator
Lenders you can offer Dozens of wholesale lenders One institution’s products
Rates & fees for borrowers Typically lower Often higher overhead built in
Who owns your business You do Your employer
Speed to close Lean & fast Layers of management
Your earning potential You set your model Corporate comp plan
Community & support AIME network & mentorship Internal only

Resources to make the switch

AIME has everything boxed and ready for you

You don’t have to figure it out alone. These AIME programs are built to guide retail originators into the wholesale channel.

AIME Academy

On-demand education and coaching to build the skills you need to launch and grow as an independent broker.

Vendor Directory & Tech

Get paired with experienced brokers who have already made the transition and can guide your first steps.

Podcasts & Content

Broker to Broker, Broker Power-Up, and the WMN Podcast share real playbooks from brokers across the country.

Events & Community

Connect at Fuse, National Mortgage Brokers Day, and Women’s Mortgage Network events with the broker community.

Meet the Committee

The Discover Wholesale Committee

Eight broker leaders championing the wholesale channel and guiding originators through the transition. Replace each card with a real member.

Tony Zerwas

Chair

Dustin Indermuehle

Co-Chair

todd Bitter

Member

Jesse Brecht

Member

Jimmy Hobson

Member

Kaitlyn Kaczmar

Member

Liz Rich

Member

Wendy Rogers

Member

Bill Stephens

Member

Get Started

Talk to the committee

Curious whether the broker channel is right for you? Reach out and a Discover Wholesale Committee member will connect you with the resources to make your move.