December 2025 - Journey to $1 Billion

We are on a quest to transform the mortgage industry.

We believe there needs to be more transparency, which is one reason why we decided to share a monthly report on what we have learned, what worked and what didn’t, and what’s next in our plans to grow a Billion Dollar Brokerage.

We hope you find a few useful ideas and tidbits to help you in growing your mortgage business.

Welcome to December 2025

1. Brokerage Stats 

2. Top 10 Lender Volume YTD

3. Why an 85/15 Broker Only Took Home 75.95%

4. Commission Splits at BRX

Brokerage Stats

Production since August 1, 2021

Volume: $5,306,069,596

Files funded: 11,502

November Production

Volume: $199,944,655

Files funded: 446

Top 10 Lender Volume YTD

Scotiabank - $619,928,571.03

TD - $346,955,371.55

First National - $328,487,347.68

MCAP - $181,549,655.30

Merix Financial - $122,957,112.69

Manulife - $94,533,309.93

RMG - $81,515,685.82

Strive - $75,991,962.07

EQ Bank (B) - $71,413,430.22

Home Trust - $64,463,164.05.05

Why an 85/15 Broker Only Took Home 75.95%

One thing I respect about experienced brokers is how well they know their numbers.

“I’m at 70/30.”

“I’m at 80/20.”

“I’m at 85/15 now.”

That confidence matters. It shows you’re paying attention to your business.

The next level is making sure the split you quote is the same split that actually lands in your bank account.

Here’s a real example.

An agent recently told me she was on an 85/15 split.

When she walked through the math on a real file, she discovered two deductions taken off the top before her split was applied.

A 5.65 percent royalty.

A 5 percent brokerage fee.

That’s 10.65 percent gone before the split even starts.

After those deductions, 89.35 percent remained.

Her 85 percent split was applied to that number.

Her real take home worked out to 75.95 percent.

Her reaction surprised me.

She didn’t get angry at the brokerage.

She blamed herself.

She said, “I should have double checked this sooner.”

That’s the real problem.

At BRX, we believe transparency saves time, money, and frustration. So we built a structure where:

1. All compensation counts toward your cap

2. All bonuses are passed through

3. No fees sit in front of your commission

4. What you earn is exactly what you see

If you are doing the work, managing clients, solving problems, and pushing files across the line, you deserve total clarity on how you get paid.

If you want to know your true split, not the headline number, book a short call with my team below.

-> Let’s Chat

Commission Splits at BRX

One of the unique things about BRX is we have capped commission. Meaning our agents can earn a 100% commission split. 

I recently did the math and as of Nov 1, 2025 we have paid out $23,436,265 to agents on a 100% split. (See below) 

If you want to find out more about how our splits work at BRX and the three games that some  Brokerage owners play with agents' money check out this short video I recorded below. 

-> How Commission Splits Work at BRX

100% Commission splits are just one of the ways we help our agents earn more revenue per hour. Reply to this email with, ‘100%” so we can chat about how we can help you earn more revenue per hour.