Your mortgage lending business starts here

Unlimited Free Mortgage Leads Powered by Proprietary Mortgage CRM/POS/LOS Software & AI

What makes working with The Mortgage Calculator different?

We are a Non-Delegated Correspondent lender with the proprietary mortgage technology tools to empower loan officers to scale their business exponentially, instantly!

Whether company leads or self-generated leads, we believe that every Loan Officer needs a full pipeline to succeed. We empower all our Loan Officers to fill their pipeline daily with new company leads, or use our lead generating CRM to create their own leads!

The Mortgage Calculator Business Model

  • Non Delegated Correspondent Approved with 120+ Lenders & Investors!
  • Brokered and Correspondent Loans for our Borrowers!
  • Over 5,000 Loan Programs as a Correspondent Lender with 34 Correspondent Investors
  • Always Best Rates/Pricing - Correspondent Always Beats Broker Pricing!
  • Over 110 Wholesale Lenders For Specialty Loans
  • Every Loan Program Available! (VA, USDA, FHA, Fannie Mae, Freddie Mac, Non-QM, DSCR, Commercial, Fix & Flip, Mixed Use, CDFI, SBA and Thousands More!)
  • CALVIN AI Loan Officer Assistant

The Mortgage Calculator Lending Technology

  • Instant Lead Generating Website with AI, POS, CRM & LOS
  • Proprietary Software Built for Us, by Us!
  • One Login for LOs - One Login for Customers
  • Instant Rate Quotes for our 5,000+ Loan Programs & Automated Requotes
  • Prospects Instantly Flow from Name/Email/Phone to Live Rates to Complete 1003 with Credit & Liabilities
  • 50+ API Integrations with Encompass, Optimal Blue, Meridian Link, Accountchek, Appraisal Works, Google AI, Phone, Email, ChatGPT, SMS, DNC, Google Maps, eSign, Zillow, Tax Data, DU/DO, LP, Zapier and more!
  • Capture Leads from Website Users No Form Required
  • Instant Business Cards/Flyers & Automated Social Media Postings
  • Proprietary CALVIN DUAL AUS AI - Run Dual AUS with AI Analysis!
  • Development Staff to Implement New Feature Requests

The Mortgage Calculator Trainings & Support

  • Remote Based Learning Center & Daily LIVE Trainings
  • Expand Your Skills Any Time in Remote Training Center (Courses)
  • LIVE Daily Mortgage Rates Podcast
  • LIVE Weekly Sales Training Podcast
  • LIVE Weekly Loan Officer Training Podcasts
  • LIVE Zoom Support M-F 10:30AM-6PM EST
  • Knowledge Center with Thousands of Articles & Videos From Partners and Admins
  • CALVIN Compliance AI to Search All Federal Regulations Instantly!

The Mortgage Calculator Difference

  • Ability to Close DSCR Business Purpose Loans in over 44 Total States!
  • Unlimited daily leads at 50/50 split
  • Automated Lead Generation at Scale
  • Lead Support - Set Your Own Lead Campaigns
  • Lead Webhook - Import Leads from Anywhere via Zapier
  • Refer Deals to Team LOs for 75BPS
  • Free Hotel Room at Annual VIP Retreat & Yacht Party in Miami for All MLOs with Closed Loans

About The Mortgage Calculator

Learn more about what makes working as a loan officer for The Mortgage Calculator the right choice. Listen to founders Nick and Kyle Hiersche, along with 28 Year Veteran Jose Gonzalez, talk about how The Mortgage Calculator lending platform works, from getting started with receiving leads all the way to getting documents signed and closing loans.


The Mortgage Calculator Compensation Plans

Senior Loan Officer

Your commission


225 BPS on Conventional/NonQM (2.25%)
112.5 BPS on Company Leads Conventional/NonQM (1.125%)

Apply as Senior Loan Officer

  • For Experienced Loan Officers:
  • Receive Referral Leads from Team Loan Officers
  • Unlimited Access to All Lead Sources at 50/50 Split
  • 25BPS Monthly Bonus for $2M+ Volume
  • Team Leader Upgrade (+25 BPS)
*Requirements: Senior LOs Must Have Minimum 6 Closed Loans in Prior 12 Months to Upgrade

Loan Officer

Your commission


150 BPS on Conventional/NonQM (1.5%)
75 BPS on Company Leads Conventional/NonQM (.75%)

Apply for Loan Officer

  • Non Delegated & Brokered with 120+ Investors/Lenders
  • Free Lead Generating Website with CRM/POS/LOS
  • AI Integration with CALVIN AI LO Assistant
  • Unlimited Leads at 50/50 Split
  • Refer Deals to Senior LOs for 75BPS
  • Licensed in 23 States for Primary/Second Homes
  • Originate in 21 Additional States Business Purpose!
Our Story
The Mortgage Calculator

Imagine embarking on a career path with The Mortgage Calculator, where innovation, expertise, and a forward-thinking approach are at the heart of everything we do. Founded by Nicholas Hiersche, Kyle Hiersche, and Jose Gonzalez, our story is a testament to strategic evolution and adaptation in the dynamic world of mortgage lending.
Our journey began with a vision to revolutionize lead generation in the mortgage industry. With a rich history in advertising and marketing, the Hiersche brothers, combined with Jose Gonzalez's insights as a REALTOR, laid the groundwork for a unique business model. Initially part of an FDIC bank's marketing plan, we quickly identified the limitations of traditional models and sought greater autonomy to innovate and expand.
As loan officers with The Mortgage Calculator, you will be part of an ambitious team that has navigated the transition from a small FDIC bank operation to a leading Non-Delegated Correspondent model. This evolution was not just a change in structure but a shift in philosophy. We recognized the growing need for flexibility and innovation in mortgage lending, especially in the face of challenges like the COVID-19 pandemic.
Our transition to becoming a licensed mortgage lender in 2022 was a significant milestone. It marked our commitment to providing unparalleled services and solutions in the mortgage industry. As a member of our team, you will have access to a plethora of tools and resources that have been honed and perfected over the years. Our technology-driven approach, combined with a deep understanding of the mortgage market, positions you to succeed in a highly competitive landscape.
We are not just offering a job; we are inviting you to be part of a revolution. Here, you will find opportunities to increase your earnings through our proven business model, which emphasizes lead generation, technology, and innovative marketing strategies. You will have the chance to work with a diverse range of products and services, catering to a wide array of customer needs.
Our culture is one of continuous learning and growth. We believe in empowering our team members with knowledge and tools to excel. You will be part of a community where collaboration, creativity, and entrepreneurial spirit are not just encouraged but are the cornerstone of our business model.
Joining The Mortgage Calculator means becoming part of a narrative that is reshaping the future of mortgage lending. It's an opportunity to grow your career, expand your skills, and be at the forefront of an industry transformation. Be part of a team that values innovation, adaptability, and success. Your journey with us will not just be about making a living; it will be about making a mark in the mortgage industry.
Are you ready to be part of this exciting journey? Join The Mortgage Calculator, where your career path is not just a job, but a journey of innovation, growth, and success. Let's redefine the mortgage industry together.


Winner #26 "Best Places to Work in the US 2024" by Glassdoor Employees' Choice Awards

The Mortgage Calculator NMLS Licensed States

NMLS Licensed States for The Mortgage Calculator
Mortgage Calculator Company LLC is licensed as a Mortgage Lender in the following states: Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Minnesota, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington and more pending.
The Mortgage Calculator Partners

Features of The Mortgage Calculator Proprietary CRM/POS/LOS/AI Lending Platform:

  • Eric East
  • NMLS: 69749
  • (516)218-7357