Sore Thumb Resource pack Run the numbers

How we feed a floor of loan officers.

Ten short sections covering what we build, who runs each stage, the compliance position, the numbers and the terms. Written to be read beside your compliance officer, not pitched at you.

Start readingRun your numbers
ExclusiveYour brand, your ad account, your CRM. The enquiry is never shared or resold.
7 daysSignature to live, with Meta business verification the one variable outside our control.
Cost per funded loanThe number we report against. Cost per lead is an input, not the result.
Executive summary

What this is

A reference pack, not a pitch. Read it in any order.

What this isA reference pack covering the system, the compliance position, the numbers and the terms.
Who it is forMortgage brokerages and branches with loan officers who need more qualified borrower conversations than referrals and shared leads produce.
What we buildBranded ad creative, a borrower qualification funnel, instant AI follow up, booked conversations and a CRM you own.
How we are paidA flat fee. Never per lead, never per application, never a share of commission or origination.
Ad spendPaid by you, direct to Meta, from a Business Manager your brokerage owns.
What you ownAd account, pixel history, every enquiry record, the CRM, the funnel and the creative. During and after.
Time to liveSeven days from signature.
The number that mattersCost per funded loan, not cost per lead. Section 5 prices it with your own close rate and commission.
Compliance stanceMarketing services only. No NMLS number, no applications taken, no advice, every asset approved by you in writing first.
Where we operate

Two verticals, one system

Mortgage brokerages

Multi state branches and independent brokerages feeding a floor of loan officers. This pack.

Insurance agencies

Personal lines, commercial and trucking agencies. Where the system was built and where most of our live accounts sit today.

What we will not take

Captive agents locked out of their own advertising, and anyone buying shared leads who wants the same thing cheaper.

Sections

The pack

§1

For mortgage brokerages

The system built for a floor of loan officers that needs feeding, not one producer with a gap in the diary.

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§2

How the system works

Every stage from ad impression to a qualified borrower on an officer's calendar, and who runs each one.

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§3

Systems, data and ownership

The platform, the AI layer, the integrations, and what you keep if we part ways.

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§4

Compliance position

NMLS and state licensing, Reg Z and TRID advertising rules, ECOA, TCPA consent, and who is responsible for what.

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§5

ROI and growth map calculator

Set your enquiry target and screen level. See ad spend, cost per funded loan, and a 6 or 12 month growth map.

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§6

Results

What our own accounts have actually produced, insurance and mortgage, with the weak ones left in.

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§7

Creative and funnel assets

The ad angles, the qualification flow, the follow up sequences and the education a borrower gets before the call.

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§8

Onboarding, the first 7 days

Five stages from signature to launch, what we need from you, and the conditions met before anything goes live.

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§9

Commercial terms

The fee, how ad spend flows, what is included, exclusivity, term and notice.

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§10

About Sore Thumb

Who runs this, what we will stand over, and how to check any of it.

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