The pitch

Recruit LOs as a referral channel. They already talk to unrepresented buyers every week. Homa gives them a tool to win those loans: Homa acts as the buyer’s agent and rebates up to 2% of the purchase price at closing, which the buyer applies as a ~0.50-0.75% permanent rate buydown. The LO keeps the loan - Homa does not originate.

One-liner: “You are already quoting these buyers. This is a tool to win the loan - we act as their agent and rebate up to 2%, and they spend it buying the rate down.”

Cold email

EmailSubject: a tool for your unrepresented buyers Hi __FIRST__, You probably talk to a lot of buyers who do not have an agent yet. Here is a tool to win those loans. Send them to Homa - we act as their agent and rebate up to 2% of the purchase price at closing. Most put it straight into a permanent rate buydown, roughly 0.50-0.75% off. You just became the LO who got them a lower rate. Homa is a brokerage, not a lender, so the loan stays yours. 10 minutes this week? calendly.com/shawn-tryhoma/30min Shawn Christian | Homa 608.206.4710

Call opener

Phone“Hey __FIRST__ - you probably talk to a lot of buyers with no agent yet. We give you a tool to win those loans: Homa acts as their agent and rebates up to 2% at closing, which most use as a permanent rate buydown, about three-quarters of a point. You keep the loan - we are a brokerage, not a lender. 10 minutes this week?”

Objection handling

“Do I pay anything?” Nothing, ever. We bring the agent and the rebate. The loan stays yours.

“Are you going to go after my loan?” We can't. Brokerage, not a lender - nothing to originate, nothing to refi, no preferred lender.

“How does the rate cut work?” Up to 2% of purchase price back at closing, usually applied as a permanent buydown (~0.50-0.75%). Subject to your approval and the loan program.

“Referral fee?” None, either direction. RESPA-clean. You just keep loans you would otherwise lose.

“Just send me the link.” The 10 minutes is where we tag you as the referring officer, so you get credited. Pick a slot: calendly.com/shawn-tryhoma/30min

Booking link

Calendlycalendly.com/shawn-tryhoma/30min

Frame it as a tool, not a favour. The LO is already quoting these buyers and losing some of them to whoever the buyer’s eventual agent prefers. This hands them something to win with - a lower rate they can offer - and the loan stays theirs. The ask is a 10-minute call, not a referral: no cold LO hands over a client before they understand how the tagging protects their loan.

One-pager collateral

The LO-facing asset. Share as-is, or co-brand with their photo + name once they're in.

Homa Mortgage Partner

Offer your buyers a lower rate. Keep every loan.

~0.50-0.75% off their rate - at no cost to you

For buyers not yet working with an agent, send them to Homa, a licensed real estate brokerage. They get up to 2% of the purchase price back, applied as a permanent rate buydown - roughly half to three-quarters of a point.

You point an unrepresented buyer to Homa (tagged as your referral).

Homa provides a licensed agent + up to 2% back at closing.

The buyer applies it as a permanent rate buydown - a lower payment.

You keep and close the loan. Homa is a real estate brokerage, not a lender - there is nothing for us to cross-sell and no preferred lender to steer your client to.

Homa is a licensed real estate brokerage and is not a mortgage lender or broker. Rebate is up to 2% of purchase price, paid at closing where permitted; buydown amount depends on loan program, term and market, and is subject to lender approval. Not a referral-fee arrangement - no compensation is paid or received in either direction.

Stack rank by book of business

The roster has no volume data - no free source does. This ranks all 83,478 unique MLOs on the best free evidence available: their public Zillow review record (a per-person closed-loan proxy), their employer's actual FL+TX origination volume from CFPB HMDA divided by that firm's LO headcount, licence tenure, and dual-state licensure.

83,478unique MLOs ranked

4,958Tier 1 - proven producers

32,555Tier 2 - company volume

45,965Tier 3 - no evidence

⇩ Full ranked CSV (83,478, 10MB)

Score	Tier	Name	Company	Email	Phone	Reviews	Recent	Vol/LO	City	St
Open this tab to load the ranking (~2.5MB)...

How the score works. Individual signal 0-50 (Zillow lifetime reviews + recent reviews) - only Tier 1 has this, and it is the only true per-person production evidence that exists for free. Company signal 0-30 (employer HMDA FL+TX volume ÷ that employer's LO headcount in this roster). Tenure 0-12 (NMLS ID vintage). Dual-state licence 0-8. Caveats: mortgage brokers (NEXA, Barrett, C2, West Capital, Edge, Primerica) never file HMDA - the wholesale lender does - so ~46K people can only ever be scored on reviews. Call-centre lenders (Rocket, loanDepot, PennyMac, Freedom) are flagged RETAIL: they rank high on volume but are the worst fit for this pitch, since their buyers come from the lender's own funnel and they do not control agent referrals - use "Hide call-centers". Rendering caps at 800; the CSV holds all 83,478. HMDA 2024 filer counts are all LAR records, not originations only.

The full FL & TX MLO universe

Every licensed mortgage loan originator in Florida & Texas, straight from the state regulators (TX SML + FL OFR public-records rosters). This is the real universe, with the email of record.

106,725licensed MLOs

61,043Florida (OFR)

45,682Texas (SML)

106,719with email

⇩ All (CSV, 9MB)⇩ Florida CSV ⇩ Texas CSV

Name	Email	Company	City	St	Phone	NMLS
Open this tab to load the 106K roster (~4MB)...

Source: TX Dept. of Savings & Mortgage Lending + FL Office of Financial Regulation, public-records rosters, Aug 2026. Email = the licensee's email of record (NMLS filing / notification). Rendering caps at 800 - search to narrow; use the CSV for bulk import. Active licenses only.