Debt Originations Comp Structure?

Currently on the originations track at a decently sized mortgage banking shop (think W&D, Grandbridge, etc.). We are a lean team in a MCOL city (couple producers, couple support staff). Most of our business is Fannie/Freddie/HUD/LifeCo perm, but we also do plenty with local banking relationships.

I know it varies from company to company, but how does comp generally work in these roles? For example, it’s my understanding that a producer doing $1M in fees will likely have to split that 50/50 with “the house”. Is this split after meeting their draw, or before? Does the split cover overhead (office rent, support staff salaries, etc.), or do these items get paid back separately too?

I will eventually discuss these mechanics with the office head, but it’s not the right time to do that yet.

I’ve always assumed the producer nets about 35-40% of gross fees, but I’d really like to know if anyone has a better look “behind the curtain”.

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