Loan officer
Relationships, advice, and judgment.- Build trust and guide the client
- Make consequential decisions
- Review and approve prepared work
- Own the client experience
Built around the loan officer
Run your year both ways.
Four inputs you already know. No email, no form, nothing sent.
200 bpspaid to you
$0Hightide platform fees or deductions
20%+of your week back — about one day
17 statesNMLS #2824328 · expanding nationally
The next step, in 30 minutes
Pick a time. Nothing else happens.
Kevin validates your assumptions, walks the written comp plan line by line, and prices a live scenario against what you're getting today. Not a fit? You've lost 30 minutes.
Kevin Sharpe
LinkedIn →
VP of Growth · Hightide Mortgage
Kevin's next open times
30 min · your timezone
None of these work?
Sent — Kevin replies within one business day.
One conversation, no drip sequence.
Not ready to talk comp? Kevin can also schedule a or an .
Comp
200 bps paid to you. No hidden fees.
Most comp conversations stop at the split. What you take home also depends on the tools and services you're expected to pay for.
Here is every one of those line items at Hightide.
- LOS, POS and CRMIncluded
- Hightide AI platform$0 to the LO
- In-house processingIncluded
- Marketing engine and content supportIncluded
- Credit reportsNot charged to the LO
- Pricing engine, guidelines and market intelligenceIncluded
- License sponsorshipCovered
Deducted from your comp$0
Time
Humans where it matters. AI agents everywhere else.
You handle relationships and judgment. AI agents handle the monitoring, prep, and follow-up — 24/7 — and hand back at least 20% of your week.
One operating model. Two distinct jobs.
You stay in control. The work keeps moving.
You're air traffic control: you own the client and every decision that matters. AI agents work 24/7 behind you, prepping what's next. Nothing moves without human review and approval.
One system of record, not disconnected tools
Most AI in this industry is a chatbot bolted onto someone else's LOS/CRM, or a point solution that only ever sees its own slice of the file. Ours runs on a unified system of record — POS, LOS, CRM, pricing, guidelines — so the agents see the whole loan, and you're not re-entering the same data in 10 places.
Built in-house by loan officers and engineers from Microsoft, OpenAI, PayPal, Compass and KKR. SOC 2 compliant.
AI agent team
Monitoring, preparation, and coordination.- Watch every file and milestone
- Prepare next steps and follow-ups
- Surface blockers before they stall a loan
- Keep shared data and tasks in motion
AI agents prepare
→
People review and approve
Support & scale
Stop being every role at once.
Retail-level support. Broker-level economics. Hightide-built leverage. You lead the client and the loan; the operation is already there.
What eats your week today
- Chasing documents and conditions
- Following up with clients and partners
- Searching products, pricing, and guidelines
- Buying and wrangling separate technology
- Trying to market while managing active files
What Hightide runs for you
- A connected LOS, POS, CRM, and communication center
- AI-agent workflows that prepare work for human review
- In-house processing workflows and LOA support at $15M+
- Marketing engine, content days, and company-level advertising
- Product, pricing, guideline, and market intelligence
What stays yours
Relationships. Advice. Judgment. Oversight. Growth.
Room to grow without hiring an operation — or handing back your economics. Branch managers and broker owners map the team, systems, and transition with Kevin directly.
Two producers, on the record
The part the numbers don't show.
The calculator answers what you'd make. These two answer what the week actually feels like.
“Back office is where loans go to die. Conditions stacking up, documents nobody chased, borrowers wondering where things stand. The platform handles that layer now — it collects, it classifies, it follows up, it sends the status update I used to write at 6pm. I still touch every file. But my time goes back to my family, my creative work, and the things that actually matter.”
Abby Bass
Loan officer · Hightide Mortgage
“I came in at zero. I didn't know one realtor, so I pounded the pavement and built my book from scratch. It was sink or swim — but anywhere else, doing the same volume, I wouldn't be making what I'm making now. Hightide lets me be the people person out front, not worrying about the tech, the files, or the admin.”
Buddy Hawkins
Loan officer · Hightide Mortgage
NMLS #2824328NMLS Consumer Access
17 statesLicensed and expanding nationally
Built in-houseBy a team from Microsoft, OpenAI, PayPal, Compass & KKR
Real peopleMeet the leadership team →
Not just about the money? Good.
Let's just talk.
These are the questions LOs ask before they move.
Will you blow up my phone if I reach out?
No. One honest conversation, on your timeline. If it's not a fit, we shake hands and you've lost nothing but 30 minutes.
What happens to my active pipeline?
Nothing, until you decide. The first conversation is just a conversation. If you move, Kevin builds the transition around your in-flight files so nothing stalls.
What's the catch with 200 bps?
We built our entire platform in-house. The work other shops fund with desk fees, per-file charges, and comp deductions, our technology just does. That's how 200 bps and competitive pricing coexist. How your specific mix maps to it is exactly what Kevin walks through in 30 minutes.
If you pay 200 bps, are your rates competitive?
Yes. That's the point of the model. You get access to more competitive wholesale pricing, and we're happy to prove it: bring your toughest live scenario and price it side by side with Kevin.
Am I W2 or 1099?
Your choice. Hightide supports both. Kevin will walk through what each looks like for your situation on the call.
Can I see the actual comp plan?
Yes. It's a written plan, not verbal promises. Kevin walks through it line by line on the call.
Is your product menu competitive?
Yes: conventional, government, jumbo and the niche products you need to actually serve your borrowers. Bring your toughest scenario to the call and we'll walk it through live.
What does the ops support actually cover?
In-house processing, conditions, docs, and the borrower and agent updates that usually eat your evenings. You originate; we carry the file to the table.
How does Hightide return at least 20% of my time?
AI agents watch every file, prep the next step, and draft the follow-up around the clock. You review and approve; nothing moves without a human. That's how at least 20% of your week comes back.
Where is Hightide currently available?
Seventeen states and counting: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Louisiana, Michigan, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, and Wisconsin. We're expanding rapidly across the country.
Can I see the technology or speak with a current LO?
Yes to both. Kevin can set up a live demo of the AI platform or introduce you to a Hightide LO who made the move.
Your next move can start privately
You already saw the number.
Now pressure-test it.
30 minutes with Kevin: your assumptions, the written comp plan, and one live scenario priced side by side.
No email required to explore. Nothing is sent until you choose a next step.