Comparison
C2 Financial vs. loanDepot
loanDepot is a retail lender where LOs are employees on tight splits. C2 is a brokerage where originators keep up to 95% of commissions, build their own brand, and shop 100+ lenders for every deal.
Feature
Our choice
C2 Financial
Alternative
loanDepot
Company type
Independent mortgage brokerage
Retail lender
LO commission split
Up to 95%
Typically 40–60%
Desk / tech fees
$0
Usually monthly fees
Lender options
100+ wholesale lenders
loanDepot products only
Build your own brand
AI-powered pricing engine
True independence
W-2 employee
The bottom line
"loanDepot is a good retail lender for W-2 careers with benefits. But top producers who want to maximize earnings and independence consistently earn significantly more at C2."
Ready to see the difference?
Compare your current split to what you'd earn at C2 — it takes 60 seconds.