The established producer
You close $20M+ a year. You don't need hand-holding. You need a branch that gets out of your way, prices competitively, and treats you like a partner. Bring your book. Keep your clients. Improve your margins.
For Loan Officers
Build your practice with a branch leader who actually runs the file.
I'm Michael Zachman, branch leader at CrossCountry Mortgage in Southwest Florida. If you're a producer who's tired of pricing exceptions getting blocked and processors you've never met, this page is for you.
The branch advantage
A boutique branch operation. With a national platform behind it
Most LOs are stuck choosing between a tight, accountable shop with five products, or a national lender that treats them like an employee number. Here, you don't have to choose.
01
Direct access to me on every file
Conditions, pricing exceptions, scenario reviews, escalations. You call me, not a queue. I worked every file the same way before I built this branch, and I still do.
02
In-house ops, not a call center
Underwriting, processing, closing all live inside CCM. But your processor and underwriter are people you'll know by name. We move fast because we're small enough to coordinate without a ticketing system.
03
Compensation that respects production
Competitive splits. Transparent comp plan. No hidden corporate haircuts on price exceptions. We talk numbers in the first conversation, not the fourth.
04
Marketing, tech, and CRM that work
You get the CCM platform: co-branded materials, social compliance, modern LOS, video pre-approval tools. Without the busywork of building it yourself. I'll show you exactly what I use, day one.
Backed by CrossCountry Mortgage
The platform behind the branch
You're not joining a startup. You're joining the #1 retail mortgage lender in America, and a branch built to operate inside it like a boutique.
#1
Retail mortgage lender in America
Scotsman Guide · three years running (2024 to 2026)
$51B
Funded in 2025
131,000+ families served · 1 in every 35 U.S. home purchases
661
LOs on Scotsman Guide Top Originators 2026
A top-ranked retail mortgage lender
120+
Loan products under one roof
Direct seller/servicer · Fannie, Freddie, Ginnie
10×
Inc. 5000 honoree
Fastest-growing privately-held companies in America
3×
Scotsman Guide Top Workplace
3,500+ loan officers · 800+ branches · 7,000+ employees
Who this is for
Three people I'd like to hear from
The LO new to CCM
You've heard the name. You've seen the rankings. You want the CCM platform, but you want it inside a branch where the branch leader is still on every file. That's what I built. Quiet onboarding, no roadshow.
The Realtor-friendly closer
Your business runs on referral partners. You need co-branded marketing, fast pre-approvals, and a name that listing agents already trust. CCM is that name, and I'll show you how I work my Realtor network without copying yours.
Confidential
Let's talk. Quietly
Nothing leaves this conversation. No outreach to your current shop. No public posting. If after a 30-minute call it's not a fit, you keep the conversation and move on.
- Discreet 30-minute call on your schedule
- You'll talk to me directly, not a recruiter
- Concrete numbers on splits, comp, support. No theater
- If we move forward, smooth, quiet transition